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Take control of your financial future

Cashback Available now when you transfer
Terms apply
Cashback Available now when
you transfer
Terms apply

Important information: The information on this page isn’t personal advice – please ask us for advice if you’re not sure which investments are right for you. If you’re thinking about transferring, please check you won't lose valuable guarantees or benefits or have to pay excessive exit fees. Unlike the security offered by cash, investments go down in value as well as up so you could get back less than you invest.

Transfer to HL for more choice - get cashback as a thank you

Life can be hectic. And stressful.

That’s at the best of times. Your financial future doesn’t have to be.

Today, more than ever, it’s important to focus on what you can control. Make sure your financial future is in the right hands. Yours.

Having cash, investments and pensions in different places can make it difficult to keep on top of your finances. It can be hard to know where you stand, and if you’re on track to meet your financial goals.

Make life easier

Transferring your savings and investments to HL can help improve your financial and mental wellbeing.

Less hassle, more time

  • One place for your savings, investments and pensions
  • One easy-to-use app to manage your accounts
  • One set of log-in details
  • More time to spend on the things you enjoy

A clear overview

  • See your cash and investments at the same time
  • Know if your investments are working together
  • Make changes based on the bigger picture quickly and easily
  • Take advantage of opportunities as they arise

Get cashback on investments, pensions and savings

If you apply online and transfer your investments or pensions to HL, or open an Active Savings account, you could take part in one of our broadest ever cashback offers. The cashback is a thank you for choosing us. The more you transfer, the more you receive. You can even take part in all three offers. Full terms below.

Cashback
available

Your ISAs and Investments

See all your investments in one place by transferring to HL.

Why choose HL?

  • Simplicity – see everything with one login. Check in anytime, anywhere with the HL app.
  • Choice – from ready-made options to funds and shares, pick the investments that are right for you.
  • Expertise – investment research, online tools, and market updates to help you with your decisions.

More on ISAs and Investments

More on ISAs and Investments

Cashback
available

Your Pensions

Take control of your future and retirement savings by transferring to the HL Self-Invested Personal Pension.

Why choose the HL SIPP?

  • Freedom – you're free to pick your own investments so they match both your financial goals and personal values. Plus check your progress whenever you like, online and with the HL app.
  • Expertise – investment research, online tools, and market updates to help you with your decisions.
  • Flexibility – access your pension how you want to at retirement. The HL SIPP offers all the pension freedoms, unlike some older providers.

More on Pensions

More on Pensions

Cashback
available

Your cash savings

Get greater control and flexibility with Active Savings.

Why choose Active Savings?

  • Choice – pick from a range of savings products from multiple banks and building societies, all in one online account.
  • Great rates – get a selection of competitive rates.
  • Simplicity – open new savings products in just a few clicks - no forms or paperwork. And you’ll see everything together in one place when you log in.

More on cash savings

More on cash savings

Your ISAs and Investments

Apply online to transfer ISAs or investments to HL by 10 January 2021 and get £20 – £200 cashback as a thank you. Full terms below.

What can you transfer?

  • Stocks and Shares ISAs
  • Cash ISAs (including Help to Buy ISAs)
  • Funds and Shares

What to look at before transferring

Most providers allow you to transfer Stocks and Shares ISAs, funds and shares as stock, where you remain invested. When transferring as stock you will typically be unable to sell your holdings during the process, for example if you wish to shelter yourself from falls or realise gains. If transferring as cash, you'll be out of the market and miss any rises and falls for a period.

Your current provider may charge excessive exit fees, so it’s worth checking with them first and to make sure you won’t lose any valuable guarantees or benefits.

If you’re transferring a fixed rate cash ISA, remember that if you leave before the end of the term, you may have to pay a fee.

The HL Stock and Shares ISA, and our other investment accounts are designed for people who are happy to make their own investment decisions. Tax rules for ISAs can change and their benefits depend on your circumstances.

More on ISAs, including charges

More on Fund and Share accounts, including charges

Get Started

The Transfer Value Your Cashback
£1,000 - £4,999 £20
£5,000 - £19,999 £50
£20,000 - £49,999 £100
£50,000 - £79,999 £150
£80,000 or more £200

We will credit the cash amount to your Loyalty Bonus Account no later than one month of the date the offer closes, or within one month of your transfer completing, if the transfer completes after the offer has closed.

To automatically qualify, you must apply by 10 January 2021. If you need more time to decide, let us know. We’ll let you have an extra 3 months to qualify for cashback if you transfer ISAs and investments.

If you transfer away within a year we may reclaim your cashback.

See full terms

More on ISAs, including charges

More on Fund and Share accounts, including charges

Get Started

Your Pensions

Apply online to transfer pensions to the HL SIPP by 10 January 2021 and get £50 – £500 cashback as a thank you. Full terms below

What types of pensions can you transfer?

  • Personal and stakeholder pensions
  • Pensions in drawdown
  • Retirement Annuity Contracts (RACs)
  • Self-Invested Personal Pensions
  • Most Additional Voluntary Contribution plans (AVCs) including free standing AVCs
  • Executive Pension Plans (EPPs)
  • Most paid-up occupational money purchase pensions
  • Old protected-rights pensions accrued from contracting out of the State Second Pension or SERPS (State Earnings Related Pensions).

For defined-benefit (DB) pensions, such as a ‘final salary’ scheme: These pensions give you a guaranteed income and normally offer benefits to a spouse or partner once you die. These benefits will be lost on transfer. If the transfer value is more than £30,000, you’ll need to provide proof that a regulated financial adviser has recommended the transfer. These transfers will not qualify for cashback.

What to look at before transferring

You should ask your current provider if there are excessive exit fees, or if you’ll lose any valuable benefits or guarantees by transferring.

Most pensions are transferred as cash, meaning your investments will be sold before you transfer and you'll be out of the market for a period, missing any rises or falls. If you transfer investments, you'll typically be unable to sell your holdings during the transfer process.

The HL SIPP is designed for people happy to make their own investment decisions. Investments go down in value as well as up, so you could get back less than you put in. Pension and tax rules can change and benefits depend on your circumstances.

More on SIPPs, including charges

Get Started

The Transfer Value Your Cashback
£5,000 - £24,999 £50
£25,000 - £49,999 £75
£50,000 - £99,999 £100
£100,000 - £124,999 £200
£125,000 or more £500

We will credit the cash amount to your Loyalty Bonus Account no later than one month of the date the offer closes, or within one month of your transfer completing, if the transfer completes after the offer has closed.

To automatically qualify, you must apply by 10 January 2021. If you need more time to decide, let us know. We’ll let you have an extra 6 months to qualify for cashback if you transfer pensions.

If you transfer away within a year we may reclaim your cashback.

See full terms

Accessing your pension

What you do with your pension is an important decision. Check you're making the right decision for your circumstances and that you understand all your options and their risks. When you turn 50, the government's free and impartial Pension Wise service can help if you’re at all unsure.

More on SIPPs, including charges

Get Started

Your cash savings

Take control of your cash with Active Savings. Manage your cash with ease through one online account, giving you access to a range of savings products from multiple banks and building societies. And you could get £10 – £100 cashback as a thank you. Full terms below.

How to qualify for cashback

  1. Open an Active Savings Account by 2 December 2020.
  2. Add £10,000 or more by debit card.
  3. Add your money to a savings product within 60 days.

Please note you can’t transfer other savings products to Active Savings. You can qualify for cashback by opening a new savings product and adding money by debit card. This offer is not available to existing Active Savings clients.

The Active Savings service can help you make your own decisions so you can make more of your money but it is not personal advice. Please remember that inflation reduces the future spending power of cash. With fixed term products you won’t usually be able to access your money until it matures.

More on Active Savings

Get Started

You save Your Cashback
£10,000 - £19,999 £10
£20,000 - £29,999 £20
£30,000 - £49,999 £30
£50,000 - £79,999 £50
£80,000 or more £100

We’ll pay your cashback into the cash hub of your new account within one month after your Qualifying Period. Please see the full terms below for more information.

If the overall balance of your Active Savings Account drops below your cash offer qualifying amount within 6 months of the date of the qualifying deposit we may reclaim your cashback.

See full terms

More on Active Savings

Get Started

Frequently Asked Questions

Excellent service as usual. Knowledgeable and friendly staff. Thank you for making things easy.

Mrs S Delve

Excellent service throughout products

Ms R Byrne

Awards

BEST INVESTMENT ISA 2019/20
The Personal Finance Awards


BEST ONLINE INVESTMENT PROVIDER 2019
Boring Money Consumer Investment Awards


BEST CUSTOMER SERVICE 2019
Boring Money Consumer Investment Awards

See all our awards

Terms of the cashback offer – Autumn 2020 – SIPP, ISA and General Investment Account transfers only

1. Subject to these terms and conditions, if you transfer an existing pension, ISA or general investment account from another platform, you will receive a cash amount depending on the amount you transfer (the “Offer”). The Offer is funded by us and the cashback will not come from your own cash or investments.

2. The Offer will be available between 5 October 2020 and 10 January 2021 inclusive (the “Offer Period”).

3. If your transfer completes within the Offer Period, the cashback payment will be paid into your Loyalty Bonus Account no later than one month after the Offer has closed. If your transfer completes after the Offer has closed, the cashback payment will be paid into your Loyalty Bonus Account within one month of the date on which your last qualifying transfer completes, which will be determined by us. Your Loyalty Bonus Account is separate from your HL ISA, Fund and Share Account and SIPP. The cash can be kept in your Loyalty Bonus Account for fee collection, withdrawn or moved into whichever HL account you choose. If moved into an ISA or SIPP, it will count towards your annual allowance.

4. We ask you keep your HL account(s) for one year from the date of the transfer. Please feel free to switch between investments and in or out of cash within your account, but if you decide to transfer away or close your account within 12 months of the date your transfer completes, then we reserve the right to reclaim the cashback paid. If cash is to be reclaimed then you will be notified and the cash will be taken within 7 days of the account closure or transfer.

Specific terms for SIPP transfers

5. If you transfer an existing pension with a value of at least £5,000 from another provider to our platform, you will receive a cash amount between £50 and £500, depending on the amount you transfer.

6. The Offer will only apply to cashback transfer forms coded APCB3, AWCB2, OTK, OTP, OTS, OTMQE, received by us within the Offer Period. If transferring a drawdown pension, you must include a note requesting cashback with your postal application to qualify. As long as we receive your qualifying application within the Offer Period, even if the transfer itself isn’t completed until after the Offer closes, you will still qualify.

7. The value of your cashback will be based on the cumulative total value of transfers you make within the Offer Period into your HL SIPP, not the value of each transfer. The value of the cashback will be determined in accordance with the tiers identified in the table accompanying these terms and conditions. It isn’t possible to combine the value of transfers into accounts with different client numbers for the purpose of this Offer. The maximum amount of cashback you can receive under this Offer is £500.

8. If you need more time to decide whether you want to transfer to us, please let us know and we will extend this deadline for you by up to six months. To request more time simply call our Helpdesk on 0117 980 9926 or email transferoffer@hl.co.uk with your full name and address.

Specific terms for ISA and general investment account transfers

9. If you transfer an existing ISA or general investment account with a value of at least £1,000 from another provider to our platform, you will receive a cash amount between £20 and £200 depending on the amount you transfer.

10. The Offer will only apply to cashback transfer forms coded: APCB4, AWCB5, APCB2, AWCB1, AWCB7, APCB7, OTS, OTP, OTK, OTMQF received by us, within the Offer Period. As long as we receive your qualifying application within the Offer Period, even if the transfer itself is not completed until after the Offer closes, you will still qualify.

11. The value of your cashback will be based on the cumulative total value of transfers you make within the Offer Period into your HL ISA and/or general investment account, and not the value of each transfer. The value of the cashback shall be determined in accordance with the tiers identified in the table accompanying these terms and conditions. It is not possible to combine the value of transfers into accounts with different client numbers for the purpose of this Offer. The maximum amount of cashback you can receive under this Offer is £200.

12. If you need more time to decide whether you want to transfer to us, please let us know and we will extend this deadline for you by up to three months. To request more time simply call our Helpdesk on 0117 900 9000 or email transferoffer@hl.co.uk with your full name and address.

Exclusions

13. Please be aware that the following are excluded from the Offer: (1) the transfer of a Junior SIPP, Junior ISA or Child Trust Fund; (2) new money cash subscriptions into any existing HL Stocks and Shares ISA account, Lifetime ISA, SIPP or Fund and Share Account; (3) the lodgement of certificated shares; (4) the transfer of previous pensions provided by your current employer, if the HL SIPP is already your current workplace pension; and (5) defined benefit/final salary pension transfers.

14. The Offer does not apply to investments already held on the HL platform, to switches or transfers between or within existing HL accounts or to income and interest received on any assets held in those accounts.

15. The Offer cannot be used in conjunction with any other transfer offer, this excludes transferring in more than one investment account detailed in this Offer and the Active Savings offer we have running until 2 December 2020.

General

16. We reserve the right to remove or suspend the Offer if necessary, including for legal or regulatory reasons or otherwise, by posting a notice on our website. If the Offer closes early, all qualifying applications already received at the time of the posting of the notice will still be accepted.

17. We also reserve the right to determine how the cashback payment is calculated. Therefore, if you are not sure how your transfers will be treated under the terms of this Offer, please contact us before you apply to transfer. By submitting a qualifying application, you agree to be bound by the terms of this Offer.

18. These terms are governed by the laws of England and Wales and subject to the exclusive jurisdiction of the courts of England and Wales.

19. This Offer is provided by Hargreaves Lansdown Asset Management Limited, which is a limited company registered in England & Wales with the company number 01896481, whose registered office is 1 College Square South, Anchor Road, Bristol, BS1 5HL. References in these terms and conditions to “our”, "us" or "we" are to Hargreaves Lansdown Asset Management Limited.

Terms of the cashback offer – Autumn 2020 – Active Savings only

1. This offer is available to anyone who opens a new Active Savings account between 05 October 2020 and 2 December 2020 inclusive (“the Offer Period”).

2. To qualify for the offer, you’ll need to fund your new account with at least £10,000 by debit card, and to subsequently instruct us to add at least £10,000 to one or more savings products within that account. Both of these actions must be taken within 60 days of the opening of the account to qualify (“the Qualifying Period”). For the avoidance of doubt you can open an account with as little as £1 and still qualify for the offer, provided that your account is topped up to a balance of at least £10,000 and you instruct us to add at least £10,000 to one or more savings products. Both of these actions must be taken within 60 days of opening the account in order to qualify.

3. If you open an account within the Offer Period and also satisfy the criteria listed in clause 2, we will credit the cash hub in your account with a cash amount between £10 and £100, depending on the amount you add to one or more savings products. We will credit the cash amount within one month after your Qualifying Period. We’ll notify you by email once the cash amount has been added.

4. The value of the cash reward will be based on the total amount added to savings products within 60 days of the opening of the account. The value of the cash reward will also only be based on the amount added to your account by debit card during the Offer Period. The value of the cash reward will not be based upon any amounts added to savings products using cash held in a Fund & Share account.

5. The cash reward shall be determined in accordance with the tiers identified in the table accompanying these terms and conditions.

6. It is not possible to combine the value of saving products chosen in accounts with different client numbers for the purpose of this offer. The maximum amount of cash you can receive under this offer is £100.

7. We reserve the right to reclaim the cash reward if the overall balance of your Active Savings Account drops below your cash offer qualifying amount within 6 months of the date of the qualifying deposit. We will notify you if we intend to reclaim the cash reward, and will claim it within 7 working days.

8. We reserve the right to amend, extend or withdraw this offer if necessary, including for legal or regulatory reasons or otherwise. If the offer closes early, all qualifying applications received up until this time will still be accepted. Details of any such amendment, extension or withdrawal will be posted on our website at www.hl.co.uk/savings.

9. This offer is not available to anyone who already has an Active Savings account.

10. This offer cannot be used in conjunction with any other offer, except the general investment and SIPP – Autumn cash back offer we have running between 5 October 2020 and 10 January 2021.

11. You must not be an employee of, or any such employee’s immediate family or household of any Hargreaves Lansdown Group company.

12. This offer is limited to one payment of up to £100 per client.

13. This offer will be governed by English law and, in participating, you submit to the jurisdiction of the English courts.

14. References in these terms and conditions to “Hargreaves Lansdown”, “our”, “us” or “we” are to Hargreaves Lansdown Savings Limited (company number 08355960), authorised and regulated by the Financial Conduct Authority (FCA Register number 915119 ), whose registered office is at 1 College Square South, Anchor Road, Bristol, BS1 5HL. References to the “Hargreaves Lansdown Group” are to Hargreaves Lansdown plc (company number 02122142) and its subsidiaries from time to time.

This website is issued by Hargreaves Lansdown Asset Management Limited (company number 1896481), which is authorised and regulated by the Financial Conduct Authority with firm reference 115248. The Active Savings service is provided by Hargreaves Lansdown Savings Limited (company number 8355960). Hargreaves Lansdown Savings Limited is authorised and regulated by the Financial Conduct Authority (firm reference number 915119). Hargreaves Lansdown Savings Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 with firm reference 901007 for the issuing of electronic money. Hargreaves Lansdown Asset Management Limited and Hargreaves Lansdown Savings Limited are subsidiaries of Hargreaves Lansdown plc (company number 2122142).