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Prepare for the best

by investing tax efficiently

Open an award-winning Investment ISA

Start investing to make the most of those special times to come by using your 2021-22 ISA allowance in an Investment ISA today. The sooner you begin, the sooner you could grow your money, tax efficiently.

Remember, the value of investments can fall. You may get back less than you invest. Tax rules can change, and individual effects vary.

Why choose a Barclays Investment ISA?

It offers a tax-efficient way to invest for your future and we make investing easy.

You stay in control of your investment decisions and can manage everything online.

Invest in an award-winning ISA. Barclays was named Best Stocks & Shares ISA Provider at the Shares Awards 2021.

Use your new £20,000 allowance and shelter your returns from UK tax. You may pay income tax, tax on dividends and capital gains tax (CGT) on investments held outside of an ISA. 

Invest via the Barclays app – if you have a Barclays current account you can see your investments, along with all the other products you have with us, in your online banking account and the Barclays app. You can also now buy and sell investments via the app too. If your current account is with another provider, you won’t have access to the app, but can still manage everything online. 

Invest in our Ready-made Investments – if you’re not sure where to invest or are short on time, we offer five Ready-made Investments that could help get you started. They invest in shares, bonds and cash to help spread risk but are all slightly different. You just need to read about the characteristics of each fund and choose the one that sounds most like you. 

Access thousands of other investment opportunities, covering funds, shares, gilts and bonds, Exchange Traded Funds (ETFs), Investment Trusts and new issues if you want to build your own investment portfolio.

Get help narrowing down the search – some people find the amount of choice quite daunting so to help narrow it down we have the Barclays Funds List. This is a list of about 40 funds our experts have analysed and believe offer good long-term investment prospects.

We go the extra mile to get you the best price - if you want to invest in shares, Exchange Traded Funds, investment trusts or Retail Estate Investment Trusts, you’ll benefit from Barclays Price ImproverTM. Every time you buy or sell, we’ll give you the best price available from our selected Retail Service Providers (RSPs). With the Barclays Price Improver, 92.5% of trades placed between January 2020 and December 2020 got a better price than the quoted price on the London Stock Exchange.

Take advantage of resources you can rely on. We don’t give personalised advice, but our Research Centre, articles, videos and podcasts can help with your investment decisions.

What does it cost?

As a Smart Investor customer, you’ll pay a single monthly Customer Fee, plus a transaction fee whenever you buy or sell investments. Other fees may also apply depending on the account type you have and the investments you hold.

Customer fee

Our customer fee is charged to service your account(s) and is based on the value of your investment holdings:

  • Investments in funds1 – charged at 0.2%
  • All other investments2– charged at 0.1%

There's a minimum charge of £4 per month, which applies from the point that you first add cash or transfer in investments you hold elsewhere.

Transaction fees

These fees are charged each time you buy or sell an investment:

  • Fund transactions placed online - £3
  • Other investment transactions placed online - £6
  • All investment transactions placed by telephone - £25
  • All automated regular investments - £1

Other fees

  • You may have to pay taxes and levies, and fund manager fees depending on the investments you choose.
  • For a Barclays SIPP - a quarterly administration fee of £31.25 + VAT applies, payable to AJ Bell, along with other account fees [PDF, 194KB]

Things to remember

  • The value of investments can fall as well as rise; you may get back less than you invest.
  • Barclays Smart Investor doesn’t offer personal investment advice. If you're unsure about investing, seek independent advice.
  • Tax rules can change and the value of any benefits of them to you will depend on your individual circumstances.
  • Smart Investor is an investment service for UK residents. Our service is not available to US persons, even where resident in the UK.
  • While there can be benefits to investing regularly rather than as a lump sum, you should remember the impact fees have on your investment. If you’re only investing small amounts each month, the minimum monthly fee could make it expensive and may exceed returns.
  • ''Tax-efficient” indicates that growth/income are exempt from UK income or capital gains tax provided all ISA conditions are met. The level and basis of tax can change and the value of tax relief depends on your personal circumstances.
  • In order to subscribe to a stocks & shares ISA, you can't have subscribed to another stocks & shares ISA or used your total annual ISA allowance in any combination of a cash ISA, innovative finance ISA and/or lifetime ISA (LISA) during the same tax year.
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Apply for an award-winning Investment ISA

Apply today and start investing tax efficiently

If you’re a Smart Investor or Barclays Current Account customer, simply log on using Online Banking or the Barclays app3 to apply. If you're not a Smart Investor or Barclays Current Account customer, you can apply in a few simple steps without logging in.

Important Information

  1. Unit Trusts & Open Ended Investment Companies (OEICs) only.
  2. Other investments – all asset classes except the funds above.
  3. The Barclays app is available on eligible Android and iOS devices to Barclays current account holders who have a mobile number and are aged 16 and over. More on Barclays app