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Our free expert guides and interactive calculators will help you make your own informed decisions.

Investment and retirement guides


Tools and calculators - helping you plan for your future


ISA calculator

What could your ISA be worth in the future? Includes Junior ISAs.

Calculate now

Inflation calculator

How inflation affects the real value of your savings and their growth rate.

Calculate inflation

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Help using your account

  • Before you withdraw money by electronic transfer you need to set up a Nominated Bank Account. This can be done online via our secure website, or in writing. For security purposes you will need to validate an addition or change of your Nominated Bank Account. When you add or change a Nominated Bank Account we will post a validation code to the account holder at their registered address. You then simply log in to your online account and enter the code to confirm the changes.

    Online withdrawals (from the ISA and Fund & Share Account): To withdraw money to your Nominated Bank Account simply log in, select the account you would like to withdraw from, go to the "Cash" section and choose "Withdraw money" from the quick links box. Payment will be made by Faster Payment and there is no charge for this service. The maximum you can request to withdraw online each day is £99,999 per product.

    Telephone: Having set up a Nominated Bank Account, you can call our Client Accounts Team on 0117 980 9801 with your Master Password to withdraw money from your account.

    Post: Please complete and return a Cash Withdrawal Form.

    Please remember that once money is withdrawn from a Vantage ISA it cannot be reinstated and you will permanently lose this portion of your ISA allowance.


  • Charges will be calculated based on the value of your chargeable holdings on the last day of the month and collected in the following month.

    Find out more about our charges


  • MiFID II

    MiFID II

    New legislation means you need to confirm your nationality

    New legislation (MiFID II) is coming into effect on 3 January 2018. As a result, we need you to confirm your nationality if you want to trade shares (and other stock market-listed securities).

    Clients who are solely UK nationals just need to confirm their nationality and, if we don’t already have it, provide their National Insurance Number.

    Companies, trust and charities will need to provide their Legal Entity Identifier - see below for more information.

    Provide your details now


    What does it mean for me?

    The new rules (Markets in Financial Instruments Directive II (MiFID II) require Financial Services companies like Hargreaves Lansdown to collect additional information about our clients. Specifically, we require your nationality and National Client Identifier (e.g. National Insurance Number) if you want to buy or sell shares, ETFs/ETCs, investment trusts, bonds and a number of other listed securities. This information is then shared with the Financial Conduct Authority each time you trade.

    For companies, trusts and charities, we will require your Legal Entity Identifier (LEI).

    If you only hold funds (unit trusts/OEICs) you do not have to take any action, but we recommend you provide this information to ensure our full range of dealing services remain open to you.


    What do I need to do?

    We’ve made it really easy for you to provide your details. Simply select the type of account you hold below to check what you’ll need to provide, then click on the ‘Provide your details now’ button to get started. We’ll then take you through the necessary steps.

    If you complete the process online and we already have your National Insurance Number on record you will not be asked to provide this again, you will only need to provide your nationality.

    Get started

    Act now

    New legislation means you need to confirm your nationality

    The deadline is 3 January 2018

    ISAs, Junior ISAs, SIPPs, Junior SIPPs and Fund & Share Accounts

    Please provide your nationality and National Client Identifier (NCI). For UK nationals, the National Client Identifier is your National Insurance Number.

    If you’re a UK national but don’t have a National Insurance Number, you will still need to log in and provide your nationality. Please refer to the FAQ below for further information.

    If you are a non-UK national or have multiple nationalities you will be advised what to provide once you have logged in and selected your country of nationality, but it’s usually either your passport number or national/personal identity number.

    Accounts that have representatives associated with them (e.g. power of attorney) will need to specify who the main decision maker is on the account. You will then need to provide the nationality and National Client Identifier of the main account holder and the main decision maker. If this is the same person, you’ll only need to enter the details once.

    Clients with Junior ISAs and Junior SIPPs will need to provide details of both the child and registered contact.

    Provide your details now

    Fund & Share Accounts

    Please provide the nationalities and National Client Identifiers for all account holders. For UK nationals, the National Client Identifier is your National Insurance Number.

    If you’re a UK national but don’t have a National Insurance Number, you will still need to log in and provide your nationality. Please refer to the FAQ below for further information.

    If you are a non-UK national or have multiple nationalities you will be advised what to provide once you have logged in and selected your country of nationality, but it’s usually either your passport number or national/personal identity number.

    Accounts that have representatives associated with them (e.g. power of attorney) will need to specify who the main decision maker is on the account. You will then need to provide the nationality and National Client Identifier of the main account holder and the main decision maker. If this is the same person, you’ll only need to enter the details once.

    Provide your details now

    Please register for and provide a Legal Entity Identifier (LEI). A LEI is a 20 digit code that will be unique to your company, trust or charity.

    If you don’t have a LEI already you can apply for one through the London Stock Exchange official LEI website.

    Once you have your LEI, simply log in to your account to update your record.

    Please note the London Stock Exchange charge a fee for allocating a LEI. More information on this is available from the London Stock Exchange LEI page.

    Provide your details now

    Please provide all club members’ nationalities and National Client Identifiers on the form below and return to: Freepost, HARGREAVES LANSDOWN. Please also download the Help Sheet to assist with completing the form. Investment clubs cannot complete this process online.

    Download the form now

    Download the Help Sheet

    FAQs


    • The Markets in Financial Instruments Directive II (MiFID II) is new legislation coming into effect on 3 January 2018.

      The rules require Financial Services Companies like Hargreaves Lansdown to collect additional information about our clients. Specifically, we require the nationality and National Client Identifier (e.g. National Insurance Number) of all clients who want to buy or sell shares, ETFs/ETCs, investment trusts, bonds and a number of other stock market-listed securities.


    • If you want to trade shares or other listed securities, or think you may want to trade them in future, please provide us with your nationality and National Client Identifier (e.g. National Insurance Number).

      It will only take a moment to provide your details.


    • You will not be able to buy and sell shares, ETFs/ETCs, investment trusts or bonds and a number of other listed securities. You also may not be able to take part in some corporate actions for investments of this type that you already hold.


    • No, you won’t be forced to sell, but you will not be able to sell your shares, or buy more, until the information has been provided.


    • No, you do not need to take any action. Please remember that should you wish to buy or sell shares in future you will not be able to do so until you have provided the required information.


    • If you do not have the required National Client Identifier (NCI), you can trade shares but the legislation requires us to submit a shortened form (concatenation) of your forename, surname and date of birth as your personal identifier e.g. 19500630MICHASMITH. This will be done automatically for you.

      Please note; even if you don’t have a National Insurance Number or other specified NCI, you must still log in and confirm your nationality. You will then be able to specify that you do not have the required NCI and our system will do the rest. If you do not complete the process you will not be able to trade.


    • The rules require us to share your nationality and National Client Identifier along with your first name, surname and date of birth with the Financial Conduct Authority for every share (or other listed security) trade you place.



  • If you are an existing client

    The quickest and easiest way to add money to your account is online with a debit card. In order to add money:

    • Log in, and your account (e.g. Stocks & Shares ISA) will be listed on the first page you come to.
    • Click the 'Top up' button next to the account you wish to add money to. This button is in the 'Actions' column.
    • Enter your card details and click 'Make payment'.

    Please note: If you are adding money to an ISA for the first time in this tax year, the payment will be referred to as an ‘opening subscription’. This money will, however, be added to your existing ISA.

    Alternatively, you can add money over the telephone with a debit card, or use an application form and cheque.

    Please ensure you have read the Vantage Key Features

    If you are not yet a client

    If you are not yet a client you can open an account and add money with your debit card as part of the application process. You can then top up your account quickly and easily at any time (subject to allowances and eligibility) by using the 'Top up' or 'Add money' buttons within your online account.

    Alternatively, you can open an account over the telephone with a debit card, or use an application form and cheque.

    Before opening an account, please understand the risks and Terms & Conditions (including tariff of charges) of your investment and ensure you have read the Vantage Key Features.


  • There is no charge for simply having a Vantage Account open. Charges are levied on the investment that you choose to hold within your Vantage Account.

    Find out more about our charges


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