Barclays Smart Investor

Grow your money for the future

Put your money to work with our award-winning1 investment service

The value of investments can fall as well as rise. You may not get back what you invest. We don’t offer personal financial advice so if you’re not sure about investing, seek independent advice. Tax rules can change and their effects vary depending on your individual circumstances. You may have to pay tax when you come to withdraw money from your pension and tax rules can change in future. 

Apply for your account

Investment ISA

Also known as a Stocks and Shares ISA. This is the most popular account people choose when they start to invest.

You can pay in up to £20,000 per tax year

You don’t pay tax on any returns you make from your investments.

Investment Account

A flexible account if you’ve already used your ISA allowance for the current tax year or you’re already paying into an ISA with another provider.

No limits on the amount you can invest

The return you make on your investments will be taxable.  

SIPP Account

Our SIPP is designed to help you prepare for retirement.

If you’re comfortable putting money away until you’re at least 55 (rising to 57 in 2028) and making your own investment decisions

You may be eligible for tax relief on the money you pay in.

What does Smart Investor offer?

Thousands of investment opportunities, covering funds, UK and international shares, gilts and bonds, Exchange Traded Funds (ETFs), Investment Trusts and new issues to help you build a portfolio that suits you

Ready-made Investments, if you’re short on time, our Ready-made Investment funds offer a simple way to invest. Just choose a fund with the level of risk that’s right for you and our investment experts will do the rest

Barclays Price Improver TM, we go the extra mile to get you the best price for UK shares, Exchange Traded Funds, Investment Trusts and Real Estate Investment Trusts from our selected Retail Service Providers (RSPs). With Barclays Price Improver™, 93%2 of trades placed in 2022 got a better price than that quoted on the London Stock Exchange, with customers benefiting by an average of £16 per deal

Resources you can rely on with our investment ideas and strategies, our Research Centre and our experts’ views

A regular investing service, allowing you to invest a set amount at regular intervals, allowing you to smooth out price movements across the year.

Your investments on the go with the Barclays app.3 You can view your investments in the Barclays app. If you also have a Barclays Current Account you can pay money into your account (excluding SIPP accounts), browse your investment options and buy and sell them on the go in just a few easy taps. Find out more about investing with the Barclays app

Our fees

No charge to open the account and a simple annual customer account fee of 0.25% on investments up to £200,000 and 0.05% on investments above £200,000.

This customer fee is charged only on investments such as funds and shares and there is no charge to hold cash. This fee is calculated and charged monthly. The fee is taken from your investment accounts, or you can pay by debit card or set up a monthly Direct Debit.

Type Cost
Buying and selling shares* £6 per deal**
Buying and selling funds No charge
Regular investments No charge
Dividend reinvestment No charge
Holding cash No charge
Transferring investments No charge
Cash withdrawal and account closure No charge

For a Barclays SIPP, a quarterly administration fee of £31.25 + VAT applies, payable to AJ Bell, along with other account fees [PDF, 194KB] 

*Including ETFs, investment trusts, bonds and gilts 

**Online dealing only. Taxes may apply when buying shares. A foreign exchange and an international brokerage fee will be charged when trading international shares.

Ready to open an account?

Transfer your investments to us

Having everything in one place could help you take back control of your finances. If you want to transfer cash or investments held elsewhere to your Smart Investor account, you can do this within Online Banking.

Before you transfer, make sure you are aware of any transfer fees from your current provider, other costs that you might incur, disadvantages that you might encounter or any benefits you might lose.

Things to remember

  • Smart Investor is an investment service for UK residents. Our service is not available to US persons, even where resident in the UK
  • In order to open an Investment ISA you can’t have used your total annual ISA allowance in any combination of ISAs you hold.

Important Information

  1. Best Stockbroker 2023 at the Online Money Awards
  2. Applies to deals placed on the London Stock Exchange within a Barclays Investment Account and Investment ISA across the following asset classes – stocks and shares, Exchange Traded Funds, Investment Trusts and Real Estate Investment Trusts. Please note that as of January 2019 deals placed to facilitate Bed & ISA, Dividend Reinvestment and Regular Investment are no longer included in the Price Improver calculations
  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