How much does investing cost?

Customer fees (based on asset holding)

We charge a fee for maintaining your service, it’s calculated daily and based on the end of day value of your investments across all your accounts. Cash is not included in this calculation, but the minimum fee below applies from the point that you first add cash or transfer investments to your account.

Your customer fee is calculated each month, on the anniversary of the date you opened your first account, and will be notified to you. This notification will confirm the period that the fee covers and will indicate when the fee is due for collection, 15 working days later.

How we deal with unpaid fees

If fees are not settled on the due date, you will enter the debt management process. If outstanding fees are not settled and they reach £12, this will result in investments being sold to raise cash to cover them.

Transaction fees (when you buy or sell an investment)

Every time you buy or sell an investment, you pay a one-time fixed fee to cover the costs.

For international trading, please refer to our International Fees tab at the top of this page.

Costs to invest up to £24,000 in funds if you make two transactions per year:

Or if you invest up to £48,000 in shares and make four transactions per year:

If you’re considering investing more frequently, regular investments only cost £1 per transaction.

If you have a mixture of investment types, higher investment balances or an existing investment portfolio to transfer to us, please use our Investment Calculator to get a quick snapshot of what your fees could be.

What’s included in our customer fees?

Anything that covers the running of your account, but doesn’t directly relate to transactions, is covered by a single monthly customer fee.

Third Party Charges

When you buy shares, including investment trusts, the Government imposes Stamp Duty at the following rates:

The Panel of Takeovers and Mergers (PTM) also charges £1 on all UK share transactions with a combined value of over £10,000.

Please note that funds, Exchange Traded Funds (ETFs) and Investment Trusts come with charges and expenses applied by the fund manager to cover the costs of buying and selling the underlying investments and managing the fund. Most funds we offer have no initial charge, but if there is one, it is a fee levied by the fund manager and Barclays doesn’t keep any part of it.

Interest Rates

Pension Account Administration charges

£125 + VAT p.a.

In addition to the customer and transaction fees, these are Pension Account Administration charges if you currently have a Barclays SIPP. All SIPP accounts pay an AJ Bell Administration fee of £31.25 + VAT per quarter or part thereof (£125 + VAT p.a.). This fee will be collected by Barclays and paid to AJ Bell. No part of this fee is kept by Barclays.

Depending on your activity additional SIPP charges may apply. See a full list of SIPP fees. [PDF, 194 KB]

International trading costs and charges

When buying or selling shares in an international market, some of the fees will be different to what is charged for domestic trading. There may also be additional costs depending on what market you’re trading in. We’ve outlined the cost for trading shares below:

Transaction Fees

Transaction fees for international investments are different from domestic trading. Transaction fees vary by exchange as shown below.

Customer fees

We charge a fee for maintaining your service, the fees you’ll pay for holding international assets in your account will be the same as you pay today for holding UK assets – based on their value. You can find more information on the main customer and transactions fees tab.

Foreign exchange charge

You will also have to pay a FX charge when buying and selling on international markets which is calculated based on the value of the trade. This is charged on each buy and sell trade that is placed on an international market.

For example, investing £13,000 would have an FX charge of £102.50

As the tiers are cumulative this calculates as follows:

• £5000 at 1% = £50.00
• £5000 at 0.75% = £37.50
• £3000 at 0.5% = £15.00

You’ll always see the estimated rates and charges before you place a trade, and we’ll confirm all the rates and charges once it’s been executed – they’ll also be in your contract note.

We use spot foreign exchange agreements for settling International orders.

When you buy and sell on an international exchange, the trade happens in local currency. To convert the currency, we need to enter into a spot foreign exchange (spot FX) agreement. We make these agreements with another part of the wider Barclays group called Barclays Bank plc (BARX), who may make a profit.

These agreements mean we can trade one currency against another currency at an agreed exchange rate. The agreed exchange rate is called the ‘spot FX rate’.

In executing the FX trade, using the FX rate provided by BARX, we’ll always look to act in your best interest. We’ll show you the rate used to convert the currency for settlement and accounting purposes. Please note that the value of international investments is affected by currency fluctuations.

Other costs charged but not payable to Barclays

Taxes and Levies

Taxes and levies for international trading vary by jurisdiction and are set out below. We collect these costs from you and pay them to the relevant body.

*FTT= Financial Transaction Tax

Brokerage fees

All trades on international exchanges will attract a 0.03% brokerage fee. The brokerage fee is charged by the underlying market, whereas the transaction fees listed above are payable to Barclays.