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Compare Barclays ISAs

Compare ISAs from Barclays and other ISA options available.

Investment ISAs put your capital at risk & you may get back less than you originally invested

Instant Cash ISA

from Barclays

Interest Rate (AER) 0.02%
  • Term: Easy Access
  • Deposit from £1
  • Interest paid annually

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Stocks & Shares ISA

from Nutmeg

Allows ISA Transfers
  • Fund Choice: Nutmeg offer 4 diversified portfolios with ETFs, using technology to keep charges low.
  • Invest From: Min. £500 single

Stocks & Shares ISA

from Fidelity

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 4,000 investment options, including one of the widest fund ranges in the UK. With online guidance tools and expert fund ideas to help you choose. Capital at risk
  • Invest From: £25 pm

Stocks & Shares ISA

from Interactive Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Access 40,000+ UK, US and international shares on 17 global exchanges. Choose from over 3,000 funds. Special offer: Open an ISA with £1,000 or more before Sunday and be in with a chance to win £100 of free trades. New customers only. Terms apply. Capital at risk.
  • Invest From: £25 pm
See Deal Special offer: Transfer an ISA worth £10,000 or more before 30 June and get £100 cashback. New customers only. Terms apply. Capital at risk.

Stocks & Shares ISA

from Wealthify

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have an investment Plan built and managed for you.
  • Invest From: £1

Stocks & Shares ISA

from Hargreaves Lansdown

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 3,000 funds, shares, investment trusts and more to build your portfolio. Capital at risk.
  • Invest From: £25 pm or £100 lump sum

Stocks & Shares ISA

from AJ Bell

Allows ISA Transfers
Regular Savings
  • Fund Choice: Wide range of stocks and shares, over 2,000 funds (unit trusts and OEICs), investment trusts and ETFs. Capital at risk.
  • Invest From: £25 pm

Stocks & Shares ISA

from Fineco

Allows ISA Transfers
  • Fund Choice: A complete multi-currency platform with low fees. Premium trading without premium prices. Choice of worldwide asset managers.
  • Invest From: £100
See Deal Zero Platform Fees - Until the end of the 2022/23 tax year if you open your ISA by 30 April 2022. 0.25% max when promo ends.

Stocks & Shares ISA

from Best Invest

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: Over 2,500 funds, UK shares, investment trusts and ETFs or choose Ready Made & Managed Portfolios
  • Invest From: No minimum

Stocks & Shares ISA

from Shepherds

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in the Shepherds With Profits Fund which offers medium to low risk investing, with the aim of growing your money in a smooth manner over the long term.
  • Invest From: £30 pm

Investment ISA

from Barclays Smart Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in over 2,000 funds, plus Exchange Traded Funds, Investment Trusts, Shares and more. 5 Ready-made Investment funds if you’re not sure where to invest. Capital at risk.
  • Invest From: Any amount

Stocks & Shares ISA

from Moneyfarm

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have it matched to an investment portfolio expertly built and managed.
  • Invest From: £1,500
See Deal Up to £400 for all new users that create an account until the end of April

Share Dealing ISA

from IG

Allows ISA Transfers
  • Trade From (frequent trader rate): £3.00
  • Trade From (standard trader rate): £8.00

Junior Sustainable Stocks & Shares ISA

from Shepherds

Regular Savings
  • Invest From: £10 pm
  • Investment Options: The fund aims to invest in sustainable companies that offer long-term growth, while making a positive difference to the world your child grows up in. Capital at risk.
See Deal When you make your first payment into a Junior ISA or Sustainable Junior ISA, Shepherds will send you a Love2shop voucher code worth up to £50.

Junior Stocks & Shares ISA

from Hargreaves Lansdown

Regular Savings
  • Invest From: £25 pm
  • Investment Options: Invest in over 3,000 funds, UK and overseas shares, investment trusts and ETFs. Capital at risk.

Junior Stocks & Shares ISA (Future World ESG Developed Index Fund)

from Legal & General

Regular Savings
  • Invest From: £25 per month
  • Investment Options: Invests in broad developed stock markets, such as the US, Japan and Europe. Capital at risk.

Junior Ethical Stocks & Shares ISA

from Nutmeg

Regular Savings
  • Invest From: £100 lump sum
  • Investment Options: Nutmeg offer a socially responsible junior investment ISA which places emphasis on environmental and social and governance factors. Capital at risk.

Junior Stocks & Shares ISA

from AJ Bell

Regular Savings
  • Invest From: £25 pm
  • Investment Options: AJ Bell offer a wide range of investments including shares, funds, investment trusts and ETFs (exchange traded funds). Capital at risk.

Junior Stocks & Shares ISA

from Interactive Investor

Regular Savings
  • Invest From: £25 pm
  • Investment Options: Choose from more than 40,000 UK and global investment options for your child's ISA. Capital at risk.

Junior Stocks & Shares ISA

from Nutmeg

  • Investment Options: Invest in one of four expertly designed portfolios depending on your investment style. Capital at risk.

Who are Barclays Bank?

Barclays are one of the largest international banks in the world. Headquartered in the UK, they are listed as a public company on the FTSE 100 and also have a listing on the New York Stock Exchange.

Their history can be traced back to 1690, although they didn't acquire their Barclays name until 1736 when James Barclay became a partner of the bank.

Today, they offer a wide range of financial services to UK customers including loans, mortgages, bank accounts, insurance products and savings accounts.

They offer two types of ISA accounts for tax-efficient investing: Cash ISAs and Stocks and Shares ISAs.

What is an ISA account?

ISA accounts are a type of tax-efficient savings account in the UK.

They are just like regular savings or investment accounts, but your investments are 100% free from tax.

There are two types of tax you normally pay on your investments:

  1. Income Tax
  2. Capital Gains Tax

Income tax is usually paid on the interest you earn in a cash savings account and dividends you receive from stock investments.

Capital gains tax is usually paid on any profit you’ve made on stock investments when you come to sell them.

In order to limit these tax benefits, HMRC only allows you to invest up to £20,000 per year in ISAs.

Your ISA allowance refreshes each tax year, so you can keep topping up your accounts over multiple years to make the most out of your tax-efficient savings.

What’s the difference between a Cash ISA and a Stocks and Shares ISA?

The main difference between Cash ISAs and Stocks and Shares ISAs is the assets they invest in.

Cash ISAs always keep your money as cash, meaning they can’t go down in value and you earn interest on your balance.

Stocks and Shares ISAs invest your money into the stock market. You can benefit from growth and dividends, but your investments can fall as well as rise in value.

Here are some of the key features of each account to give you an idea of the pros and cons:

Cash ISA Key Features:

  1. Your investment cannot fall in value
  2. You earn fixed or variable interest rates on your savings
  3. Fixed interest rates are higher, but require you to hold your investment for a fixed term of 1 to 5 years
  4. If you withdraw or close your ISA account during a fixed term you will be charged or lose some of your interest
  5. Variable interest rates are lower and can fluctuate, but you have more access for withdrawals

Stocks and Shares ISA Key Features:

  1. You can invest in a range of stocks within your ISA account, including shares, funds, ETFs and Bonds
  2. You can create a Stocks and Shares ISA portfolio yourself by choosing your own investments, or invest in a ready-made portfolio created and managed by professionals
  3. You will be charged an Annual Management Charge (AMC) by your Stocks and Shares ISA provider
  4. You can usually withdraw at any time, but you’ll have to sell your investments first which can take up to a week

What type of Cash ISA does Barclays offer?

Barclays Cash ISAs vary based on two main factors:

  • The rate of interest and whether it is fixed or variable
  • The flexibility for withdrawals

Generally, the more access you have to your Barclays Cash ISA for withdrawals, the lower the interest rate you’ll get.

For a fixed-rate ISA, the longer the fixed term you commit to, the higher your interest rates will be.

What type of Stocks and Shares ISA does Barclays provide?

You can invest in a Barclays Stocks and Shares ISA in two different ways:

  • Self-select ISA portfolio
  • Ready-made ISA portfolio

Here are some of the key pros and cons to each type of ISA investment strategy:

Barclays ready-made ISA:

  1. Invest in a ready-made ISA portfolio put together and controlled by Barclays’ investment managers
  2. Choose a portfolio based on how comfortable you are with investment risk
  3. Options range from cautious and defensive to adventurous and higher risk portfolios
  4. Your portfolio is instantly diversified and is monitored and controlled by professionals
  5. You usually pay higher charges for a managed portfolio compared to if you pick investments yourself

Barclays self-select ISA:

  1. Create your own portfolio by picking the funds and shares you want to invest in
  2. Best for more experienced and confident investors
  3. You pay ongoing charges for some investments but won’t be paying a portfolio manager
  4. You’ll be responsible for diversifying your portfolio and managing its risk level

How can I open a Barclays ISA account?

The easiest way to open a Barclays ISA is online, and there are three ways to start investing:

  1. Top up with a debit card
  2. Contribute regularly via direct debit
  3. Transfer an existing ISA

Barclays ISA transfers

You can transfer in your existing ISAs to a Barclays Cash or Stocks and Shares ISA by following the below checklist:

  1. Check with your existing ISA provider if you will be charged for transferring out
  2. Complete an ISA transfer form with Barclays
  3. Barclays will administrate your ISA transfer on your behalf

If you complete your ISA transfer through the above steps, your ISA transfer won’t count towards your ISA allowance.

This means you can transfer as many ISAs as you want in one tax year while still contributing £20,000 of new money.

Note: if you just withdraw your existing ISA and add it to a new ISA, you will use up your ISA allowance when you add it back in. This means you’ll be limited to £20,000. Make sure you use an ISA transfer form to transfer your ISA instead.

Sam Hodgson
Edited by Sam Hodgson - ISA.co.uk

Frequently Asked Questions

No. You can switch providers with an ISA transfer if you wish. You can also contribute to other ISA providers in separate tax years.

ISA accounts are authorised and regulated by the Financial Conduct Authority (FCA). This means that all ISA providers are covered by the Financial Services Compensation Scheme (FSCS) for up to £85,000 if they go out of business.

Please note that this may not apply to the underlying holdings within a Stocks and Shares ISA, and will not cover standard investment losses. 

No, ISA stands for Individual Savings Account and must be solely owned for tax purposes.

You can lose money in a Stocks and Shares ISA if your investments go down in value. You cannot lose money with a Cash ISA.

Yes, you can transfer from your Cash ISA to a Stocks and Shares ISA at any time. However, do check you won’t lose out by transferring, as some Fixed Rate Cash ISAs may charge a fee or void your interest if you surrender your policy before the fixed term has ended

You can withdraw money from a Stocks and Shares ISA at any time provided that you sell the underlying investments first.

You can withdraw from a variable-rate Cash ISA at any time.

Withdrawing from a fixed-rate Cash ISA may incur charges if you do so before the end of the specified fixed term.

You can withdraw online, by phone or by post. You will need to sell your investments first and you may be charged a dealing fee to do this.

Most ISA withdrawals will complete in approximately five working days, but they could take longer depending on the assets you need to sell.

The annual ISA allowance is set by HMRC each year, and the current limit is £20,000 per person for the 2022/23 tax year.

Your ISA is treated in the same way as any other investment asset and will be subject to Inheritance Tax if your estate is liable.

A Stocks and Shares ISA provider will charge an ongoing, annual platform fee as well as some ad hoc charges.

A Cash ISA could also charge if you withdraw money before the end of a fixed-term investment.

Whether you receive dividends from your Stocks and Shares ISA will depend on the underlying investments you hold inside it. If your investments generate dividends, then you can opt to withdraw these automatically to your bank account tax-free if you wish.

Important Risk Information:

The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks and commitments. This website aims to provide information to help you make your own informed decisions. It does not provide personal advice based on your circumstances. If you are unsure of how suitable an investment is for you, please seek personal advice.