Investment Account
Low cost, flexible investing
What you need to know
Digital investing is an execution-only service that can help you strengthen your trading capability by providing you with the latest research and market information to inform your decisions. We do not provide personal investment advice or a view on whether investments are suitable for you in light of your personal circumstances and objectives. This means you are solely responsible for the decisions you make.
Wealth Management & Investment products are provided by a separate part of the Barclays Group and we are paid a fee for discussing these products with you. See the FAQs at the bottom of the page for more information.
If you want to start using our Digital Investing Services (which include both Smart Investor and Plan & Invest) but are unsure about making your own investment decisions, we recommend you speak to an independent financial advisor who will be able to provide personal investment advice.
Investments can rise as well as fall and you may get back less than you invested.
Past performance isn’t a reliable guide to future performance and what’s more, when you study historical investment returns you see that they can vary significantly from year to year.
Investing is designed for the longer term, typically five years or more. There’s the potential for greater returns over the long-term, although investing comes with risk. The money you use for your investments should not come from the pot earmarked for paying the bills or from your rainy-day account for emergencies.
There are costs associated with investing
No charge to open the account and a simple annual customer account fee of 0.25% on investments up to £200,000 and 0.05% on investments above £200,000.
| Activity | Cost |
|---|---|
| Buying and selling shares* | £6 per deal** |
| Buying and selling funds | No charge |
| Regular investments | 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, gilts
**Online dealing only. Taxes may apply when buying shares. A foreign exchange and an international brokerage fee will be charged when trading international shares.
Additional fees apply within the SIPP. See the full SIPP fees
Disclosures to aide Financial Guides.
Frequently asked questions
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A fee will be paid by Barclays International to Barclays UK to cover the cost of introducing customers. This is needed to demonstrate both parts of Barclays are operating at “arms length” as separate businesses which is needed to satisfy ring-fencing rules.
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Barclays UK will be paid for the costs associated with introducing customers to Barclays International plus a mark-up of around 10% of these costs. The fee will not be taken directly from any amount customers pay to Barclays.
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Our ‘ring-fencing’ structure was introduced in 2018 to protect clients’ deposits if the Investment Bank failed.
There’ll be no change to the protection of our clients’ deposits as their bank accounts won’t change, and will continue to be provided by BBUKPLC, i.e.
- Before 1 May 2023 - all client bank accounts are booked in the ring-fenced bank (BBUKPLC)
- From 1 May 2023 - all client bank accounts will remain booked in the ring-fenced bank (BBUKPLC)
The only change here is that instead of Barclays Investment Services Limited being owned by BBUKPLC, it’ll be owned by BBPLC from 1 May 2023.
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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.
Investment ISA
Easy, tax-efficient, low-cost investing
Grow your money in a tax-efficient ISA. Invest up to £20,000 per year with a simple low annual charge and dedicated customer support.
Get started in minutes and secure your annual allowance with a debit card, a monthly Direct Debit or by moving money from your Barclays account. There’s no charge to hold cash if you need some time to decide where to invest.
You can also transfer an existing ISA1 to benefit from our award-winning ISA service.2
Self-Invested Personal Pension (SIPP)
A self-invested personal pension (SIPP) is a type of tax-efficient personal pension that usually offers you access to a wider choice of investments than other types of pension.