Barclays share dealing

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Barclays is one of the largest banks in the world with branches all over the world. It is commonly used by private investors all around the world.

Barclays’s “Smart Investor” allows you to manage your investments through a single, user-friendly service that grants access to thousands of investment opportunities and decisions.

What does Barclays do?

Barclays cutting-edge online investment service makes investing easy and puts you in control. Thanks to Barclays’s connections you are able to interact with nearly all stocks, shares and funds available on the market. If you don’t currently bank with Barclays you will need to open an account to allow you to trade.

How does Barclays investing work?

With Barclays, you have three product options available to choose from. Which one you go for depends on your investments in the current tax year and how long you plan to invest for.

The products available with Barclays are:

  • Individual savings account (ISA)
  • Self invested personal pension (SIPP)
  • General investment account

Barclays ISA

This has the same characteristics as ISAs with other providers – we have a whole guide on stocks and shares ISAs if you’re not familiar with them.

In short:
You get an annual allowance, which is £20,000 for the 2020/2021 tax year. This is how much you can invest without paying a penny on your profits. Each year, you can open and pay into a new ISA or continue with the one you have, but you can’t pay into two ISAs of the same type in one financial year (April – March).

Barclays SIPP

The self invested personal pension (SIPP for short) lets you prepare for retirement. You make your own investment decisions and may be entitled to tax relief on the amounts that you pay in.

Barclays general investment account

The general investment account is usually chosen by people who have already used their ISA allowance for the year, or are already paying into an ISA.
There are no limits on this account, but you may have to pay capital gains tax on your profits, so it takes a bit more thought than the ISA.

Paying-in options

There are three ways that you can fund your investments – these let you pay in a way that suits you. The three options are:

  • Make one-off payments or regular payments by direct debit.
  • Pay in with your debit card whenever you fancy it.
  • Transfer investments that you’ve already got with another provider.

Barclays investment strategies

You have three different strategies to choose from. This is based on your experience with investing and how much help you think you need. Barclays helpfully sorts out the three options with that in mind.

I want some help

This is for those who are looking for ready-made portfolios. Barclays have a selection of experts who know what they’re doing, and will attempt to balance the portfolios to make you some profit. Of course, this isn’t guaranteed.

These are 5 different portfolios available, all slightly different in terms of they aim to return and the risks involved. It’s really easy to invest like this – you just choose the portfolio based on your risk tolerance, open an account and leave Barclays to it.

NameRiskBalanceBarclays describes it as…
DefensiveLowest, but not risk free63% cash, 20% bonds, 17% sharesLike riding a bike with stabilisers on.
CautiousA little riskier, but still quite low risk30% cash, 35% bonds, 35% sharesTaking the stabilisers off your bike – you might wobble slightly, but it’s not too dangerous.
BalancedMedium12% cash, 38% bonds, 50% sharesRiding a bike on the road, but still in the cycle lane.
GrowthHigher risk – for those who want to take some chances5% cash, 28% bonds, 67% sharesRiding off-road – but making sure you’re wearing a helmet and knee pads.
AdventurousThe highest risk fund that Barclays offers – for those willing to take a large risk of loss to change getting a great reward.3% cash, 17% bonds, 80% sharesRiding down a mountain – you could suffer serious harm but the exhilaration could be worth it.

I need inspiration

This is a list of funds that have been put together by investment experts. You can use a mixture of these funds to balance out your risk and diversify your portfolio. We’ll explain this in a little more detail later.

There are a total of 34 funds in this list, each with solid reputations and sound investment processes. Barclays’ experts believe that these have the potential to generate consistent returns in 5 to 10 years.

The funds all have a focus on a country, a sector or a type of asset. If you want to diversify your portfolio then you’ll want to invest in funds over a series of different countries, sectors and types of assets.

I know what I’m doing

It’s in the name. If you know what you’re doing, (and really know, rather than have just read a few Reddit threads) then this is the option for you.

With this option you can choose from thousands of investments. These include funds, equities and bonds. If you want, you can use the Barclays Research Centre to get information about the market to help you make decisions.

What are the benefits of the Barclays investment account?

  • Open account in minutes (if you have a Barclays current account)
  • Benefit from Barclays Price Improver. This gives you better prices than the ones quoted on the London Stock Exchange nearly all of the time.
  • Thousands of investment opportunities
  • Access to Barclays’ ready-made investments
  • Take advantage of experts views and opinions and use the research centre
  • You can invest from just £50, or £25 for recurring investments.

Where can I invest?

Through a Barclays Investment Account or an Investment ISA you can get access to the below:

How safe is my investment?

Barclays is one of the largest banks in the world and is well trusted by those who use Barclays direct investing. It has several procedures and protocols in place to ensure that your money is kept safe and secure at all times.

Barclays is also regulated by the Financial Conduct Authority (FCA) and is bound by their rules and regulations in the conduct of our investment business.

Compare share trading options

Table: sorted by promoted deals first
Data indicated here is updated regularly
Name Product Price per trade Frequent trader rate Platform fees Brand description
Fineco
£2.95
£2.95
Zero platform fee
Fineco Bank is good for share traders and investors looking for a complete platform and wide offer. Your first 50 trades are free with Fineco, until 30/09/2020. T&Cs apply. Capital at risk.
IG
0% commission on US shares, and £3 on UK shares
From £5
£0 - £24 per quarter
IG is good for experienced traders, and offers learning resources for beginners, all with wide access to shares, ETFs and funds. Capital at risk.
Hargreaves Lansdown Fund and Share Account
£11.95
£5.95
No fees
Hargreaves Lansdown is the UK's number one platform for private investors, with the depth of features you'd expect from an established platform. Capital at risk.
eToro Free Stocks
0% commission, no markup, no ticket fee, no management fee
N/A
Withdrawal fee & GDP to USD deposit conversion
Capital at risk. 0% commission but other fees may apply.
Interactive Investor
From £7.99 on the Investor Service Plan
From £7.99 on the Investor Service Plan
No transfer fees or exit fees. £9.99 a month on the Investor Service Plan
Interactive Investor offers everything most investors need. Its flat fees makes it pricey for small portfolios, but cheap for big ones. Capital at risk.
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Compare up to 4 providers

Data indicated here is updated regularly
Name Product Minimum deposit Maximum annual fee Price per trade Brand description
Moneyfarm stocks and shares ISA
£1500
0.75%
£0
Hargreaves Lansdown stocks and shares ISA
£100
0.45%
£11.95
Hargreaves Lansdown is the UK's biggest wealth manager. It's got everything you'll need, from beginners to experienced investors. Capital at risk.
Interactive Investor stocks and shares ISA
Any lump sum or £25 a month
£119.88
£7.99
Interactive Investor offers everything most investors need. Its flat fees makes it pricey for small portfolios, but cheap for big ones. Capital at risk.
Saxo Markets stocks and shares ISA
No minimum deposit requirement
0.12%
£8.00
Saxo Markets offers a wide access to a range of stocks, ETFs and funds. Capital at risk.
AJ Bell stocks and shares ISA
£500
0.25%
£9.95
AJ Bell is a good all-rounder for people who to choose between shares, funds, ISAs and pensions. Capital at risk.
Fidelity stocks and shares ISA
£1000 or a regular savings plan from £50
0.35%
£10.00
Fidelity is another good all-rounder, offering a good package at a decent price. Not suited for trading shares. Capital at risk.
Nutmeg stocks and shares ISA
£100
0.75%
£0
Nutmeg offers three types of portfolios. Choose the one that goes with your investment style. Capital at risk.
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Compare up to 4 providers

Data indicated here is updated regularly
Name Product Minimum investment Choose from Annual fee Brand description
Moneyfarm Pension
£1,500 (initial investment)
7 funds
0.35%-0.75%
Moneyfarm has pensions that are matched against your risk appetite, goals and planned retirement date. Capital at risk.
PensionBee Pension
No minimum
7 funds
0.5% - 0.95%
Pension Bee is a newbie in the pension market. It helps consolidate your pension plans into one place. Capital at risk.
Hargreaves Lansdown Pension
£100 or £25 a month
2,500 funds
0-0.45%
Hargreaves Lansdown is the UK's biggest wealth manager. It's got three different retirement options. Capital at risk.
Interactive Investor Pension
Any lump sum or £25 a month
Over 3,000 funds
£10/month
interactive investor is a flat-fee platform, which makes it cost effective for larger portfolios. Capital at risk.
Saxo Markets Pension
Saxo Markets Pension
£10
Over 11,000 funds
No annual fee
Saxo Markets gives flexibility and control over your investment strategy. Capital at risk.
AJ Bell Pension
£1,000
Over 2,000 funds
0.05-0.25%
AJ Bell has two different pension options, a self managed pension and one that is managed for you. Capital at risk.
Moneybox Pension
£1
3 funds
0.15% - 0.45% charged monthly
Manage your money with an easy-to-use Moneybox app. Capital at risk.
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Compare up to 4 providers

All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest. Capital is at risk.
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