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Time is money

Top up your Investment ISA

It’s time to make the most of your £20,000 ISA allowance for the 2024/25 tax year. You could grow your money and you won’t pay tax on any money you make.

Terms, conditions and ISA rules apply. Capital at risk.

The value of investments can fall as well as rise. You may get back less than you invest. Tax rules can change and their effects on you will depend on your individual circumstances. Smart Investor doesn’t offer personal investment advice so if you’re not sure about investing, seek independent advice.

Four reasons to use your ISA allowance

Tax-efficient – you don’t pay UK tax on investment returns within an ISA. If you invest outside an ISA, you may have to pay income tax, dividend tax and capital gains tax

Flexible withdrawals – you can withdraw cash from your Investment ISA and top it back up before the end of the tax year without it affecting your annual allowance

You don’t need to use it all – the ISA allowance for 2024/25 is £20,000, but you don’t have to use it all. Instead, just pay in what you can afford

Earn interest – earn interest on uninvested cash held in your Investment ISA. See our current interest rates.

It's easy to top up

Use your 2024/25 ISA allowance by adding money to your Investment ISA in Online Banking or the Barclays app.1

Things to remember

  • ‘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 an investment ISA, you can’t have used your total annual ISA allowance in any combination of ISAs you hold.

Important Information

  1. You need to be 18 or over to access this product or service using the app. You must have a Barclays or Barclaycard account to use the Barclays app. T&Cs apply