Why consider an Investment ISA?
This is a popular account for those ready to start investing for the long-term (five years or more)
You won’t pay tax on the returns you make from your investments. You can find out more about other tax exemptions
You can withdraw cash from your ISAand pay it back in before the end of the tax year without it affecting your annual allowance.
Remember, the value of investments can fall as well as rise. You may not get back what you invest. On this page, we’ll help you to decide if an Investment ISA is right for you and how to open one. You won’t find tailored financial advice here so if you’re not sure about investing, seek independent advice. Tax rules can change and their effects on you will depend on your individual circ*mstances.
The benefits of investing with Smart Investor
Invest on the go
Invest on the go if you’re a Barclays current account customer, you can buy and sell investments via the Barclays app. You can also see all your banking and investments on the app or in your online banking account.
Choose your own investments
Thousands of investments are available including our Ready-made Investments, funds, shares, gilts and bonds, Exchange Traded Funds (ETFs), Investment Trusts and IPOs.
Show me all investments
Use our Research centre
Use the tools, expert opinion and research to help you make your investment decisions.
Take me to the Research centre
Our Price Improver
Barclays Price ImproverTM gives you the best price available from our selected Retail Service Providers (RSPs) and trading venues every time you buy or sell shares, ETFs, Investment Trusts or Real Estate Investment Trusts (REITs) listed on the London Stock Exchange.2
Learn more about our Price Improver
Plan & Invest
Want your savings to work harder but don’t know how? Leave the investment decisions in the hands of our experts and any returns you make will be tax-free – it’s easy to get started.
The main requirements to open a Barclays Investment ISA are that:
- You’re over 18
- You’re a UK tax resident
- You aren’t a US person
- You haven’t paid intoa stocks and shares ISA (except a Lifetime ISA) with another provider this tax year.
Full details are in the FAQs below.
How much will it cost?
Your fees will depend on what you choose to invest in, how often you invest and the value of your investments. Whatever combination of investments you choose, you’ll pay customer fees each month and transaction fees only when you buy or sell them.
Customer fees
This covers anything related to the running of your account and the safekeeping of your investments.
- £4 per month min*
Or the sum of the following:
- Funds – 0.2% p.a.*
- Other investments 0.1% p.a.*
*Whichever calculation is higher based on the value of your investments. Customer fees are capped at £125 per month.
Online Transaction fees
In addition to Customer Fees, these are the fees you’ll pay every time you buy or sell an investment.**
- Funds - £3 per online transaction
- Other investments - £6 per online transaction
**All regular investments are £1 per transaction. Telephone transactions are £25 each.
We don’t charge:
Account set-up fees For inactivity For withdrawing cash
You might have to pay product fees, taxes and levies depending on the investments you choose. If you have a SIPP, additional charges will also apply.
Read more about our Smart Investor fees
Choose your own investments (with a bit of help from us if you like)
I'd like some help
- Choose from one of our five Ready-made Investment funds based on the level of return you’re hoping for balanced against how you feel about taking investment risk
- Put together by our team of investment professionals, who monitor them regularly to make sure they stay true to their objectives
Explore Ready-made Investments
I need some inspiration
- See the Funds List that our experts have put together and stay up to date with our latest thinking
- Use funds to help balance your risk across different industries, geographic locations and investment types
See the funds our experts have picked
I know what I'm doing
- Choose from thousands of investments including funds, equities and bonds
- Use the tools and insights in our Research Centre to make your own investment decisions
Show me all investments
Let us choose for you
With Plan & Invest, our experts will select and manage your investments for you.
Open a new Investment ISA or transfer an existing one
Open your new Investment ISA
If you already have a Barclays Investment Account or you use Online Banking with a current account, you can simply log in to apply. If you don’t have either of these, you can apply without logging in.
Log in to apply
No login? Apply here
Transfer your existing ISA to us
If you have an ISA elsewhere, you can transfer it to us at any time.
Transferring does not affect the tax-efficient status of your ISA.3
Make sure that you don’t have to pay penalties or give up valuable benefits if you transfer– and understand the risks and drawbacks involved.
Terms apply.
Transfer an ISA
Invest in an award-winning ISA
Want to get your money working harder in a tax-efficient account? Barclays was named Best Stocks & Shares ISA Provider 2021 at the Shares Awards and Best Stocks & Shares ISA Provider 2022 at the Online Money awards.
Log in to apply
No login? Apply here
You might be interested in
All ISA articles
An ISA may hold a variety of investments, and can build wealth over the long-term. You can find out more about ISAs here.
About Investment ISAs
Plan & Invest
Plan & Invest is a service which creates and manages a personalised Investment Plan just for you. Whether your long-term goal is your child’s university education,retirement or just building a nest egg, all you have to do is tell us a bit about yourself and then, if you’re ready to invest, let our experts select and manage your investments.
FAQs
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It’s quick and easy to open an ISA online, and you’ll be able to see all your accounts, savings and investments in one place – simply log in if you already bank with us to get started.
To be eligible to open an Investment (stocks and shares) ISA you’ll need to be over 18, a UK resident for tax purposes or a Crown employee serving overseas, or married to/in a civil partnership with a Crown employee serving overseas. It is also a requirement that you aren’t a US person and haven’t paid into an ISA (except a Lifetime ISA) with another provider this tax year.
If you’re new to Barclays, you can apply online. Once you’ve opened your ISA, you can manage it easily in Online Banking and on the Barclays app.
Please read our terms and information on our fees – we’ll ask you to agree with these when you apply.
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You can put up to £20,000 into an Investment ISA in the 2022-23 tax year.
Alternatively, you can split your allowance between a cash, Investment, or Innovative Finance ISA and Lifetime ISA. However, with a Lifetime ISA, you can only pay in up to £4,000 in each tax year.
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You can hold funds, shares, gilts and bonds, Exchange Traded Funds (ETFs), Investment Trusts and new issues in your Investment ISA.
If you want to invest this year’s £20,000 allowance, but haven’t decided yet where to put your money, you can hold cash in your Investment ISA until you’ve made up your mind.
Already have an account?
If you already have an account, log in to continue.
Log in
Call us
If you have any questions, you can give us a call on 0800 279 36674.
Important information
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If you invest outside an ISA, you have several tax-free allowances, including the CGT annual allowance, personal savings allowance and dividend allowance. Find out more about your tax allowances. Bear in mind that tax rules might change in the future, and their effect on you depend on your individual circ*mstances.Return to reference
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94.08% of qualifying deals placed between January 2021 and December 2021 got a better price than the quoted price on the London Stock Exchange (LSE). Applies to deals placed on the London Stock Exchange within a Smart Investor Account across the following asset classes: stocks and shares, Exchange Traded Funds, investment trusts and Real Estate Investment Trusts.Return to reference
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Before transferring investments, find out about any charges, exit penalties, benefits you may lose, or investment that you can’t transfer to us.Return to reference
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Lines are open from 7:30am to 7:00pm Monday to Thursday, 7:30am to 6:00pm 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
