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How much does investing cost?

Our fees

Compared to savings accounts, the different costs involved with investing may seem complicated. We use a simple pricing structure to help you understand what your investment will cost. Your fees will depend on what you invest in, how often you invest and the value of your investments.

  • Customer and transaction fees

    Customer fees (based on asset holding)

    We charge a fee for maintaining your service, it’s calculated daily and based on the end of day value of your investments across all your accounts. Cash is not included in this calculation, but the minimum fee below applies from the point that you first add cash or transfer investments to your account.

    Your customer fee is calculated each month, on the anniversary of the date you opened your first account, and will be notified to you. This notification will confirm the period that the fee covers and will indicate when the fee is due for collection, 15 working days later.

    Funds

    Other investments

    Minimum fee per month

    Maximum fee per month

    0.2% p.a.

    Funds mean Unit Trusts & Open Ended Investment Companies (OEICs) only.

    0.1% p.a.

    Other investments mean all asset classes except for funds and cash.

    £4

    The minimum fee will only apply once you add cash or investment to your account.

    £125

    Transaction fees (when you buy or sell an investment)

    Every time you buy or sell an investment, you pay a one-time fixed fee to cover the costs.

    Funds (Online)

    Other investments (Online)

    All automated regular investments

    All investments (Telephone)

    £3

    £6

    £1

    £25

    Costs to invest up to £24,000 in funds if you make two transactions per year:

    Customer fee

    Transaction fee

    Total

    0.2% p.a. (minimum £48 p.a.)

    You will pay £48 p.a.

    £3 per transaction

    You will pay £6

    You will pay £54

    Or if you invest up to £48,000 in shares and make four transactions per year:

    Customer fee

    Transaction fee

    Total

    0.1% p.a. (minimum £48 p.a.)

    You will pay £48 p.a.

    £6 per transaction

    You will pay £24

    You will pay £72

    If you’re considering investing more frequently, regular investments only cost £1 per transaction.

    If you have a mixture of investment types, higher investment balances or an existing investment portfolio to transfer to us, please use our Investment Calculator to get a quick snapshot of what your fees could be.

  • What's included in our customer fee?

    What’s included in our customer fees?

    Anything that covers the running of your account, but doesn’t directly relate to transactions, is covered by a single monthly customer fee.

    Relevant insight and articles

    to help you be a smarter investor

    Transferring cash or investments

    in from or out to another provider

    Automatic dividend reinvestments

    Support from our knowledgeable team

    by phone or live web chat

    Portfolio analysis

    when logged in to your account

    Custody of your investments

    Other costs to maintain your account

    Moving cash between different accounts

  • Third party charges

    Third Party Charges

    When you buy shares, including investment trusts, the Government imposes Stamp Duty at the following rates:

    0.5%

    0.5%

    1%

    Stamp Duty on all UK share purchase settled through CREST, rounded up to the nearest 1p

    Stamp Duty on all UK share purchases not settled through CREST, rounded up to the nearest £5

    Stamp Duty on Irish registered stock

    The Panel of Takeovers and Mergers (PTM) also charges £1 on all UK share transactions with a combined value of over £10,000.

    Please note that funds, Exchange Traded Funds (ETFs) and Investment Trusts come with charges and expenses applied by the fund manager to cover the costs of buying and selling the underlying investments and managing the fund. Most funds we offer have no initial charge, but if there is one, it is a fee levied by the fund manager and Barclays doesn’t keep any part of it.

  • Interest rates

    Interest Rates

    Investments Account, Investment ISA and SIPP Account

    Investment Saver

    No interest is currently paid on these balances.

    Barclays Investment Solutions Ltd holds all uninvested cash as Client Money with a selection of Approved Banks or other third parties. View details of the current panel.

    0.01% pa (AER: 0.01% pa) interest is paid on the first day of each month, based on the cash held in your account the previous month. Rates may change from time to time. AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once each year.

  • Pension account

    Pension Account Administration charges

    £125 + VAT p.a.

    In addition to the customer and transaction fees, these are Pension Account Administration charges if you currently have a Barclays SIPP. All SIPP accounts pay an AJ Bell Administration fee of £31.25 + VAT per quarter or part thereof (£125 + VAT p.a.). This fee will be collected by Barclays and paid to AJ Bell. No part of this fee is kept by Barclays.

    Depending on your activity additional SIPP charges may apply. See a full list of SIPP fees. [PDF, 194 KB]

  • International fees

    International trading costs and charges

    When buying or selling shares in an international market, some of the fees will be different to what is charged for domestic trading. There may also be additional costs depending on what market you’re trading in. We’ve outlined the cost for trading shares and ETFs below (see the “Fees” tab for information on the cost of buying funds).

    Transaction Fees

    Transaction fees for international investments are different from domestic trading. Transaction fees vary by exchange as shown below.

    Exchange

    US Exchanges

    Other Exchanges

    Transaction fees (online)

    £6

    £9

    Transaction fees (phone)

    £25

    £25

    Customer fees

    We charge a fee for maintaining your service, the fees you’ll pay for holding international assets in your account will be the same as you pay today for holding UK assets – based on their value. You can find more information on the main customer and transactions fees tab.

    Foreign exchange charge

    You will also have to pay a FX charge when buying and selling on international markets which is calculated based on the value of the trade. This is charged on each buy and sell trade that is placed on an international market.

    Trade value

    FX charge on trade value

    First £5,000

    1%

    Next £5,000

    0.75%

    Next £15,000

    0.5%

    Next £225,000

    0.25%

    Value over £250,000

    0.1%

    For example, investing £13,000 would have an FX charge of £102.50

    As the tiers are cumulative this calculates as follows:

    • £5000 at 1% = £50.00
    • £5000 at 0.75% = £37.50
    • £3000 at 0.5% = £15.00

    You’ll always see the estimated rates and charges before you place a trade, and we’ll confirm all the rates and charges once it’s been executed – they’ll also be in your contract note.

    We use spot foreign exchange agreements for settling International orders.

    When you buy and sell on an international exchange, the trade happens in local currency. To convert the currency, we need to enter into a spot foreign exchange (spot FX) agreement. We make these agreements with another part of the wider Barclays group called Barclays Bank plc (BARX), who may make a profit.

    These agreements mean we can trade one currency against another currency at an agreed exchange rate. The agreed exchange rate is called the ‘spot FX rate’.

    In executing the FX trade, using the FX rate provided by BARX, we’ll always look to act in your best interest. We’ll show you the rate used to convert the currency for settlement and accounting purposes.

    Other costs charged but not payable to Barclays

    Taxes and Levies

    Taxes and levies for international trading vary by jurisdiction and are set out below. We collect these costs from you and pay them to the relevant body.

    Exchange

    Taxes and levies

    USA

    Securities and Exchange Commisson (SEC) fee: this applies to the sale of U.S. exchange listed shares, separate from any brokerage fees, and is typically subject to annual/mid-year adjustments. This is set to be 0.00051% of the sale value (excluding any transaction fees) of US shares.

    Canada

    Nil

    France

    French FTT*: charged at 0.3% of the acquisition value (excluding transaction fees) of equities of French companies with over €1 billion market cap.

    Germany

    Nil

    Switzerland

    Nil

    Stockholm

    Nil

    Amsterdam

    Nil

    Madrid

    Spanish FTT*: charged at 0.2% of the acquisition value (excluding transaction fees) of equities of Spanish companies with over €1 billion market cap.

    *FTT= Financial Transaction Tax

    Brokerage fees

    All trades on international exchanges will attract a 0.03% brokerage fee. The brokerage fee is charged by the underlying market, whereas the transaction fees listed above are payable to Barclays.

Cost Calculator

We’ve changed our fees so that they’re more transparent and you can see clearly what you’re paying for. Get a quick snapshot of what your fees could be.

UK Platform Group

Members of the UK Platform Group have developed a factsheet to help consumers compare platform charges – the factsheet outlines the types of charges imposed by platforms and the different labels that are used across the industry to describe such charges.

Charges Factsheet [PDF, 87KB]

Other ways to invest

Always remember that investments can fall in value. You may get back less than you invest.

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.

You may also be interested in

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 Account

A fully flexible way to invest

A flexible, straightforward account with no limits on the amount you can invest.

Investment ISA

Wake up your money

Wake up your money by investing with Barclays. Choose your own investments with Smart Investor using our award-winning Investment ISA ('Best Stocks & Shares ISA Provider', Shares Awards 2021), or let us make the decisions for you with Plan & Invest. Either way, invest up to £20,000 per year and any returns you make are tax-free1.

Start investing to make the most of your money by making sure you've used your 2022-23 ISA allowance in an Investment ISA before you lose it. The sooner you begin, the sooner you could grow your money, tax efficiently.