Save money with the return of our biggest ever cashback offer

It pays to have everything under one roof. Terms apply.

Important information: If you’re not sure whether a course of action is right for you, please ask us for personal advice. If you’re thinking about transferring, first check for exit fees and that you won’t lose any valuable guarantees or benefits before applying. Unlike cash, investments can rise as well as fall in value, so you could get back less than you invest. The information on our website is not personal advice.

More choice

Access competitive cash rates with Active Savings and choose from thousands of investments to match your goals. Plus, get access to expert insight to help you make your decisions.

Better control

See all your ISAs, investments, cash, and pensions in one place. Track your investment performance online or with our award-winning app, and easily manage your fixed term and easy access cash savings online.

Save money

Get cashback when you transfer your ISAs, pensions, or investments. Or, open and add money to a new Active Savings Account. You could use the money to top up your investments, put it towards your HL account charges, or withdraw it to your bank account.

This isn’t personal advice. If you’re not sure what’s best for you, ask us about advice.

How much cashback could you get?

ISA and investment transfers

Get between £50 – £1,000 cashback when you transfer accounts worth £4,000 or more in total into the HL Stocks and Shares ISA or HL Fund and Share Account.

You will need to register for the cashback offer and apply to transfer by 29 February 2024 to qualify. If you’d like a three month extension let us know. . If you transfer away any portion of your account within a year we may reclaim your cashback.

What ISAs and investments qualify?

Stocks and Shares ISAs
Cash ISAs
Funds and shares

The lodgement of share certificates will not qualify for cashback.

It's free to transfer to us. But before transferring you should ask your current provider if there are any exit fees, or if you’ll lose any valuable benefits or guarantees by transferring. More on HL charges.

Transfer Value	Your Cashback
£4,000 - £9,999	£50
£10,000 - £19,999	£100
£20,000 - £39,999	£150
£40,000 - £59,999	£300
£60,000 - £79,999	£500
£80,000 or more	£1,000

Pension transfers

Get between £100 – £3,500 cashback when you transfer pensions worth £10,000 or more in total into the HL Self-Invested Personal Pension (SIPP) or HL Drawdown Pension.

You will need to register for the cashback offer and apply to transfer by 29 February 2024 to qualify. If you’d like a six month extension let us know. . If you transfer away any portion of your account within a year we may reclaim your cashback.

What pensions qualify?

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)

The transfer of a defined-benefit (DB) pension, such as a ‘final salary’ scheme, will not qualify for cashback.

Transfer Value	Your Cashback
£10,000 - £29,999	£100
£30,000 - £59,999	£250
£60,000 - £89,999	£500
£90,000 - £109,999	£1,000
£110,000 - £124,999	£1,250
£125,000 - £999,999	£1,500
£1,000,000+	£3,500

Discover Active Savings

Get between £10 and £100 when you add money to a new Active Savings Account.

Choose savings products from multiple banks and building societies, through one online account. With all your savings accounts in one place, you’ve got one log in and one central hub to keep up to date with the latest savings rates.

You will need to register for the cashback offer by filling in the form below, and open a new Active Savings Account by 31 January 2024. You’ll then need to deposit £5,000 or more within 60 days of opening your account to qualify for cashback. 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.

Which savings products can I choose?

Once you’ve opened your account, you can choose from a wide range of easy access and fixed term savings products. However, this offer does not apply if you choose the HL Cash ISA.

Please note: you must add cash via debit card or pay by bank. Cash added from a Fund and Share Account will not qualify for this offer.

Value of savings products	Your Cashback
£5,000 - £9,999	£10
£10,000 - £19,999	£20
£20,000 - £29,999	£30
£30,000 - £49,999	£40
£50,000 - £79,999	£50
£80,000+	£100

How to register for cashback

To get cashback, you must register first by completing the form below. Once you’ve registered, you’ll then have until 29 February 2024 to apply to transfer, or until 31 January 2024 to open your Active Savings Account.

ISA and investment cashback terms Pensions cashback terms Active Savings cashback terms

Frequently asked questions, including those around the offer, can be found below.

Select which cashback offer(s) you’d like to register for. You can choose more than one.

ISA and investment

Pensions

Active Savings

Enter your details

Important - Please enter your full name, and correct email address. If you apply and these details do not match those on your application, or the details we already hold for you if you’re an existing client, then cashback payment may not be made automatically.

Title

First name

Surname

All emails relating to this initiative are classed as general marketing. By filling out this form you are signing up for emails relating to the cashback offer and other relevant marketing we believe might be of interest to you.

We explain how we use your data in our Privacy Policy. If you would like to amend your marketing preferences or unsubscribe you can do so by clicking 'unsubscribe' on any of our emails, once logged into your account on your account settings and by calling our helpdesk on 0117 900 9000.

Thank you for registering for our latest cashback offer. You should receive a confirmation email shortly.

Ready to transfer now?

What to check before you transfer

Most providers allow you to transfer your investments as they are. But some investments may need to be sold before transferring. Please check this before you apply. During your transfer stock market rises and falls will continue to impact your investments. You won’t typically be able to sell or switch the investments you hold, or use cash to buy investments, while your transfer is in progress.

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.

Before you apply to transfer, make sure that all your personal details (including current name and address) are up to date with your existing provider. This can help to avoid delays. You should also check for exit fees, and that you won’t lose any valuable benefits or guarantees before applying.

The HL Stocks and Shares ISA, other investment accounts and the HL Self-Invested Personal Pension, are designed for people who are happy to make their own investment decisions. This is not personal advice. If you’re not sure what’s best for you, ask us about advice.

How to transfer

1. Find out more about each account, including charges

2. Complete a transfer application

The fastest way to apply is online. Make sure you’ve read through our Terms & Conditions (including the tariff of charges) and Key Features (including the Important Investment Notes, Transfer Checklist and Common Transfer Declaration for pension transfers) first. If you prefer, we can send you an application in the post - just select this option below.

START MY ONLINE TRANSFER

SEND ME A POSTAL APPLICATION

We'll take care of the rest

Once we receive your application, we’ll contact your current provider and start your transfer. We’ll also keep you updated along the way and let you know once your transfer is complete.

Ready to open a new Active Savings Account now?

1. Open an account online

Find out more about Active Savings.

2. Browse all available savings products

Find variable and fixed rates offered by our banking partners.

3. Add cash and choose a savings product

Top up your Active Savings Account and pay at least £5,000 into as many savings products as you like.

OPEN AN ACTIVE SAVINGS ACCOUNT

FAQs

You will qualify for cashback if you register first by completing the form above, and during the qualifying period, you do one or more of the following:
- Transfer ISAs or investments worth £4,000 or more to HL
- Transfer pensions worth £10,000 or more to HL
- Open a new Active Savings Account and deposit £5,000 or more
ISA and investment cashback terms

Pensions cashback terms

Active Savings cashback terms

You can qualify for multiple cashback offers as long as you meet the criteria outlined in each set of terms. The cashback may be paid to you in a different way depending on the product you choose and at different times. We may also claim back any cashback paid to you as detailed in the full cashback terms.
If you qualify for cashback by transferring investments or pensions, we’ll pay it into your Loyalty Bonus Account which is separate from your other HL Account(s).

You’ll receive the cashback payment within 8 weeks from the date that your last qualifying transfer completes. You can keep the cash in your Loyalty Bonus Account to pay for your HL account charges, withdraw it or move it into another HL account. If moved into an ISA or SIPP, it will count towards your annual allowance for the tax year. You can’t normally access money in a pension until age 55, rising to 57 by 2028.

If you qualify for Active Savings cashback, your cashback will be paid into your cash hub within one month of your qualifying period for cashback, which ends 60 days after you open your account.
You don’t need to tell your provider that you want to transfer away. We'll do this on your behalf once we receive your application. But you should check what exit fees you may need to pay, or if you’ll lose any valuable benefits before making your decision.

Having pensions and investments in one place is like a dream. I only have to log in once.
Haydn

The HL SIPP is extremely flexible which suits me perfectly. I don’t get paid the same day each month, so I needed a pension where I could make contributions whenever it suited me.
Holli

Best Online Stockbroker
The Personal Finance Awards 2022/2023

Best Buy Pensions
Boring Money Awards 2023

Best Buy ISA
Boring Money Awards 2023

Our team are here to help

If you’re considering a transfer or opening an account, but you’ve got some questions about our service or charges please get in touch. Our experts can talk you through the process and help you to decide if transferring or opening an account is right for you. During your call, you'll get answers to your questions. But you won’t get personal advice.

For pension transfers call 0117 980 9926 or book a 30-minute appointment with a pension specialist.

For ISA or investment transfers call 0117 906 7816 or book a 30-minute appointment with our transfer experts.

For Active Savings call 0117 980 9995.

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), which is authorised and regulated by the Financial Conduct Authority with firm reference 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).

1. Subject to these terms and conditions, if you register for our Transfers Cashback Offer (Nov 23 – Feb 24) and apply to transfer an existing pension, ISA or general investment account from another platform between 16 November 2023 and 29 February 2024 inclusive (the “Offer Period”), you will receive a cash amount after the transfer is complete, 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. You must register for the Offer to qualify. You can do this by completing the online cashback registration form, the postal cashback registration form or by asking us via secure message (using your online account) or by telephone to register you manually. If you do not register for the offer, no cashback will be paid.

3. If you register for the Offer and we receive your qualifying transfer application(s) within the Offer Period, even if the transfer itself isn’t completed until after the Offer closes, you will still qualify.

4. The cashback payment will be paid into your Loyalty Bonus Account which is separate from your other HL Account(s). You will receive the cashback payment within 8 weeks from the date that your last qualifying transfer completes. The payment date will be determined by us. The cash can be kept in your Loyalty Bonus Account for fee collection, withdrawn or moved into another of your HL accounts. If moved into an ISA or SIPP, it will count towards your annual allowance.

5. We ask you keep your HL account(s) for at least one year from the date that the last qualifying transfer completes. Please feel free to switch between investments and in or out of cash within your account, but if you decide to transfer any portion of your receiving account away or close your account within 12 months of the date your last qualifying 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 out.

6. 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 across all pensions, ISA or general investment account transfers is £4,500.

7. If you register for the Offer and apply to transfer existing ISAs or general investment accounts within the Offer Period with a total value of at least £4,000 from other providers to our platform into your HL Stocks and Shares ISA or HL Fund and Share Account, you will receive a cash amount between £50 and £1,000.

8. The total value of your cashback will be based on the cumulative total value of qualifying ISA and general investment account transfers made within the Offer Period. The value of the cashback paid will be determined in accordance with the tiers identified in the table accompanying these terms and conditions.

9. If you need more time to decide whether you want to transfer to us, please complete the online extension form and we will extend the ISA and general investment deadline for you by three months. Alternatively, call our Helpdesk on 0117 906 7816 or send a secure message through your online account.

10. The following are excluded from the Offer: (1) the transfer of a Junior SIPP, Junior ISA, Child Trust Fund, Lifetime ISA or defined benefit/final salary pension; (2) new money cash subscriptions into any existing HL Account; (3) the lodgement of certificated shares; (4) movements of investments or cash already held on the HL platform, including switches or transfers between or within existing HL accounts or income and interest received on any assets held in those accounts; (5) transfers to the HL Cash ISA.

11. 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.

12. 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 registering for the Offer and submitting a qualifying application within the Offer Period, you agree to be bound by the terms of this Offer.

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

14. 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.

7. If you register for the Offer and apply to transfer existing pensions within the Offer Period with a total value of at least £10,000 from other providers to our platform into your HL Self-Invested Personal Pension or Drawdown Pension, you will receive a cash amount between £100 and £3,500.

8. The total value of your cashback will be based on the cumulative total value of qualifying pension transfers made within the Offer Period. The value of the cashback paid will be determined in accordance with the tiers identified in the table accompanying these terms and conditions.

9. If you need more time to decide whether you want to transfer to us, please complete the online extension form and we will extend the pension deadline for you by six months. Alternatively, call our Helpdesk on 0117 980 9926 or send a secure message through your online account.

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

1. This offer is available to anyone who registers for our Active Savings Autumn 23 Cash Back Offer and opens a new Active Savings Account between 16 November 2023 and 31 January 2024 inclusive (“the Offer Period”). This offer does not include the HL Cash ISA.

2. To qualify for the offer, you’ll need to:
a) Register for the offer: You can do this by completing the online Cash Back Offer registration form or by asking us by secure message (using your online account) or by telephone to register you manually. If you do not register for the offer no cash back will be paid.
b) Open a new Active Savings Account between 16 November and 31 January 2024
c) Fund your new Account, with at least £5,000 by debit card or Pay by Bank, and subsequently use this money to instruct us to add at least £5,000 to one or more savings products within your Active Savings 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 without adding any money and still qualify for the offer, provided that your account is topped up to a balance of at least £5,000 and you use this money to instruct us to add at least £5,000 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 back 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 back will also only be based on the amount added to your account by debit card or Pay by Bank during the Qualifying Period, money added from your Fund and Share Account will not qualify.

5. The cash back 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 back you can receive under this offer is £100.

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

8. We reserve the right to amend 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. These terms are governed by the laws of England and Wales and subject to the exclusive jurisdiction of the courts of England and Wales.

11. By registering for the Offer and opening an account within the Offer Period, you agree to be bound by the terms of this Offer.

12. References in these terms and conditions to “Hargreaves Lansdown”, “our”, “us” or “we” are to Hargreaves Lansdown Savings Limited (company number 901007), 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.