Investment ISA
Investment ISA: Tax-Efficient, Low-Cost Investing
Discover a simple and tax-efficient way to grow your money with an Investment ISA. You can invest up to £20,000 per year, enjoying a low annual charge and dedicated customer support.
Getting Started Open your Investment ISA in minutes using a debit card, setting up a monthly Direct Debit, or transferring funds from your Barclays account. There's no charge for holding cash while you decide where to invest.
Transfer Existing ISAs Benefit from our award-winning ISA service by transferring an existing ISA to us.
Key Considerations
- The value of investments can fluctuate, and you may get back less than you invest.
- Tax rules can change, and their impact depends on your individual circumstances.
Why Choose an Investment (Stocks & Shares) ISA?
- Tax Efficiency: No tax on returns from investments within an ISA.
- Trusted by Millions: Over 37 million ISAs opened by investors aiming for tax-efficient growth.
- Easy Management: Simple to open and top up with flexible Direct Debit options.
- Low Fees: Single low annual fee and no charge for many services.
- Dedicated Support: UK-based customer support team with fast response times.
- Interest on Cash: Earn interest on uninvested cash. Check current rates here.
- Flexible Withdrawals: Withdraw and re-deposit cash without affecting your annual allowance.
Reliable Partnership With over 300 years of trust from investors, our experts support you in managing your ISA.
Transparent Fees
- Account Opening: Free
- Annual Fee: 0.25% on investments up to £200,000, and 0.05% on investments above £200,000.
- Buying and Selling Shares: £6 per online deal (taxes may apply).
- Buying and Selling Funds: Free
- Regular Investments: Free
- Dividend Reinvestment: Free
- Holding Cash: Free
- Transferring Investments: Free
- Cash Withdrawal and Account Closure: Free
Investment Options
- New to Investing: Choose from five Ready-made investment funds ranging from low to higher risk.
- Experienced Investors: Access in-depth research and choose from a variety of investments including funds, shares, ETFs, bonds, and more.
Starting Your Investment ISA
- Open a New ISA: If you have a Barclays investment account or use Online Banking, log in to apply and top up from your current account.
- Transfer Existing ISAs: Transfer your ISA from another provider to us, maintaining its tax-efficient status. Be aware of potential penalties or lost benefits.
Special Offer: Up to £1,000 Cashback Transfer investments or cash valued at £5,000 or more to us by 30 August to earn up to £1,000 cashback. Terms and conditions apply. Pensions are not eligible.
FSCS Protection Your Investment ISA and other investment accounts with Barclays are protected up to £85,000 by the FSCS – the UK's deposit guarantee scheme. Visit the FSCS website for more information.
Important Information
- Understand any charges, exit penalties, or lost benefits before transferring investments.
- Our Investment ISA was named Best Stocks & Shares ISA Provider 2022 at The Online Money Awards.
- Customer support lines are open Monday to Thursday from 7:30am to 7:00pm, and Friday from 7:30am to 6:00pm. Closed on weekends and public holidays. Calls may be monitored or recorded, and call charges may apply.
FAQS
How do I open an Investment (Stocks & Shares) ISA?
It’s quick and easy to open an Investment (Stocks & Shares) 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, 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
- Not a US person
- Haven’t paid into another investment 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 the Barclays app.
Please read our terms and information on our fees – we’ll ask you to agree to these when you apply.
What's my investment ISA limit?
You can put up to £20,000 into an investment ISA in the 2024-25 tax year.
Alternatively, you can split your allowance between a cash, investment, innovative finance ISA, and lifetime ISA. However, with a lifetime ISA, you can only pay in up to £4,000 in each tax year.
Is my money locked away?
We recommend being willing to invest for at least five years, as investing is about giving your money time to grow. However, our Investment (Stocks & Shares) ISA is flexible, meaning there’s no lock-in period. You can withdraw money and pay it back in during the same tax year without using any additional allowance. Consider the implications of withdrawing from your investment ISA.
There aren’t any penalties for withdrawing your money. If you make a full withdrawal from an account, we’ll sell your investments and transfer the cash to your nominated bank account after deducting 0.2% of the account's value. We retain this 0.2% to cover any outstanding service costs. In most cases, these costs will be accounted for within 60 days, after which we’ll return any remaining amount.
What can I hold in an investment ISA?
You can hold funds, shares, gilts and bonds, Exchange Traded Funds, investment trusts, and new issues in your Investment ISA.
If you want to invest this year’s £20,000 tax-efficient ISA allowance but haven’t decided where to put your money, you can hold cash in your investment ISA until you’ve made up your mind.