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Investing with Barclays

Help grow your money with our low-cost and award-winning investment service called Smart Investor.

Capital at risk. Tax rules may change.

Why invest

If you’re looking to grow your money over the long-term, then investing could be a good option for you. This is because over time, investments tend to grow more than savings, and can also help protect your money from inflation. Whilst investing carries an element of risk, it also provides the opportunity for greater returns.

I’m now investing monthly to build up my investments going forward

Alison, 56, Lancashire

Thousands of customers are signing up to invest through us.

Why choose Smart Investor

Easy to manage – It’s easy to open an account, place a trade and check your investments anytime within Online Banking or the Barclays app.1 If you need any support, we also have a UK-based team on the phone to help you.

Start from £50 – Start a regular investing habit by setting up a monthly Direct Debit from just £50. You can also make one-off investments or transfer existing investments held elsewhere.

Low fees – We keep our fees low to help your money grow. Our platform fee is just 0.25% on investments up to £200,000. Many of our services are free, including buying and selling funds, and you can trade other investments from just £6.

Account choice – Whether you’re looking to invest in a tax-efficient ISA, build a retirement pot or just want a general investment account we have a solution for you.

Investments to suit you – We have options for those who are new to investing, or if you are short on time, we have five Ready-made Investment funds to choose from. All you need to do is choose what’s right for you and we’ll do the rest. If you're more confident about what you want, then you can build your own portfolio from a range of funds, shares, Exchange Traded Funds (ETFs) and bonds.

Secure – As a FTSE 100 company with over 300 years’ experience we’re committed to protecting your investments. We're also the first bank to achieve the BSI Kitemark for secure digital banking. We are covered by the Financial Services Compensation Scheme.
 

Investments can fall as well as rise so you might not get back what you invest. If you’re unsure which investments are right for you please seek independent advice. Tax rules can change, and any benefits depend on your circumstances.

Get started in 3 simple steps

1. Choose your account

Whether you’re looking to invest in a tax-free ISA, build a retirement pot or just want a general investment account we have a solution for you. Pick from our Investment (Stocks and Shares) ISA, Investment Account or Self-Invested Personal Pension (SIPP). You’re able to have more than one account.

2. Decide how much you want to invest

Choose how much you want to invest and how often. You can start investing from £50 through either a one-off investment or by setting-up a regular investment with a monthly Direct Debit. Investments often grow more than savings, typically over five years or more.

3. Choose where to invest

Whether you’re new to investing or more experienced we have options to suit you. For a straightforward way to invest simply choose a Ready-made Investment fund and leave the rest to us. Or build your own portfolio from a range of shares, funds, ETFs, and bonds.

Barclays made it easy to start investing

Graham, 60, Oxfordshire

Choose your account

Investment ISA

  • Otherwise known as a Stocks and Shares ISA
  • Most popular account
  • Tax-free growth on your investments
  • Invest up to £20,000 per year
  • Withdraw your money anytime

Investment Account

  • Flexible account with no upper limit
  • Quick and easy to set-up
  • Ideal if you’ve used your ISA allowance
  • Withdraw your money anytime

SIPP Account

  • Helps you prepare for retirement
  • You may be eligible for tax relief on money you pay in
  • Access from 55 (going up to 57 from 2028)

Choose where to invest

Ready-made Investments

A good choice if you’re new to investing or short on time. Simply choose from five funds, which range from low to higher risk based on the return they may deliver, so you can choose what’s right for you. They’re managed by our experts, so after you’ve made your fund choice, you can leave the rest to us. All funds invest in shares, bonds and cash which gives you diversification.

Build your own portfolio

If you’d like to build and manage your own portfolio then you can select from a wide range of funds, shares (UK and International), Exchange Traded Funds, bonds and investment trusts. Our research and expert insights can help you make informed decisions.

Mix and match

Combine the ease of Ready-made Investments with your choice of individual investments for a truly customised portfolio. Any cash in your account will earn interest.

Our fees and interest

Customer fee

  • 0.25% per year on investments up to £200,000
  • Just 0.05% per year on investments over £200,000

Buying and selling costs

  • £6 per online trade*
  • Buying and selling funds: No charge
  • Regular investments: No charge
  • Dividend reinvestment: No charge
  • Holding cash: No charge
  • Transferring investments: No charge
  • Cash withdrawals: No charge

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

Transfer your investments to one place

Make your life easier by having all your investments in one low-cost account. Simply open an account, request a transfer, and we’ll handle the rest for you.

Need help? Call our UK based team

If you have any questions, you can call our UK-based team on 0800 279 3667.2

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