Which investment account is right for you?
INVESTMENTS
You can find out about our range of investment accounts below.
All offer the choice of thousands of investments and dedicated support from our UK-based team. However, if you’re unsure which investment is right for you, you might want to seek independent financial advice.
The value of investments can fall as well as rise so you may get back less than you invest. Tax rules can change and their effects vary depending on your individual circumstances. Please check the costs involved before transferring.
Investment ISA
You can pay in up to £20,000 per tax year into our award-winning Investment ISA.(1)
Any returns you make are tax efficient and you can withdraw cash when you like. Within your Investment ISA you can buy funds, shares, bonds, ETFs and investment trusts.
SIPP Account
Our award-winning SIPP(2) (self-invested personal pension) lets you take control of your retirement, benefiting from our dedicated service and wide investment choice alongside the tax benefits of a pension including:
- Protect your returns from income tax, tax on dividends and capital gains tax (CGT)
- Claim tax relief on contributions of up to £60,000 or 100% of your earnings (whichever is lower).
The SIPP is a pension so you won’t be able to access your money until age of 55 (rising to 57 in 2028). This age may rise further in the future.
A simple, low-cost fee structure
Customer fee
0.25% p.a.
up to £200,000
and 0.05% on investments over £200,000
Buying and selling shares online*
£6
per trade**
Free to invest in funds online
|
Activity |
Cost |
|---|---|
|
Buying and selling funds online |
No charge** |
|
Regular investments (including shares) |
No charge |
|
Dividend reinvestment |
No charge |
|
Holding cash |
No charge |
|
Transferring investments |
No charge |
|
Cash withdrawal and account closure |
No charge |
*Including ETFs, investment trusts, bonds and gilts
**£25 per trade by telephone. Taxes may apply when buying shares. A foreign exchange and an international brokerage fee will be charged when trading international shares.
Learn more about our fees and Interest rates on cash.
You can also use our simple cost calculator to understand the charges that would apply.
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Important information
The Smart Investor Investment ISA was named Best Stocks & Shares ISA Provider 2022 at The Online Money awards.(Return to reference)
The Barclays SIPP was named Best SIPP 2022 at the Shares Awards.(Return to reference)
Lines are open from 7:30am to 7pm Monday to Thursday, 7:30am to 6pm on Friday and closed during weekends and public holidays. To maintain a quality service, we may monitor or record phone calls. Call charges.(Return to reference)