Frequently asked questions

• How much can I add to an ISA or pension?

  Each tax year (6 April to 5 April), there’s a limited amount of money you can put in ISAs or pensions. These limits are set by the government. In the 2024/2025 tax year:

  • The ISA allowance is £20,000.
  • For pensions, if you’re a UK resident under the age of 75, you can usually add as much as you earn and receive tax relief each year, although there is an annual allowance, which is £60,000 for most people. Each personal contribution includes the money you put in, as well as what the government adds in basic rate tax relief.

  Learn more about pension contributions

  Pension and tax rules can change and the benefits depend on your circumstances. Money in a pension is not usually accessible until at least age 55 (57 from 2028).

• What’s the minimum I can pay into an ISA or pension?

  You can open a Stocks and Shares ISA or Self-Invested Personal Pension (SIPP) with us from £100, or with a Direct Debit from £25 per month.

• How can I check how much I’ve paid in?

  You can check how much you’ve paid into your ISA or SIPP online or with the HL app.

  1. Log in to your account online or with the HL app.
  2. Select the name of your account e.g. Stocks and Shares ISA or HL SIPP.
  3. Select the ‘Transaction history’ tab online or ‘cash subscriptions’ on the HL app.

• How can I change my login details?

  If you know your login details and want to change them, you can do this online in just a few steps. Here's how to do it.

  Before you start

  • Have your Username, current Online Password and Secure Number to hand. If you've forgotten them, you can reset them online.
  • It is not possible to change your Username online. If you think someone else might have access to your Username, please call us on 0117 980 9984.

  How to change login details on the website

  1. Log in online to see your accounts
  2. Select 'Account Settings' from the tab list of options
  3. Select 'Passwords and timeout preference' from the list of options
  4. Select 'Edit details' for 'Online Password and Secure Number'
  5. Choose whether to change your Online Password, Secure Number, or both
  6. Enter your security details and select 'Continue'
  7. If you have two-factor authentication enabled, we will also send a verification code to your preferred phone number by SMS or call back. Enter this code into the box in full and select 'Log in'
  8. Enter your new Online Password and/or Secure Number and select 'Update'

  Change login details

  What happens next

  You will be able to use your new login details as soon as you've updated them.

  These will work when logging in on the website and the mobile app.

• How do I log in to my account?

  Logging in online means you can look after your accounts and trade from your computer, tablet or smartphone. Here's how to log in.

  Before you start

  You will need your Username, date of birth, Online Password and Secure Number to log in. If you have not set these up yet, you can register for online access.

  How to log in on the website

  1. Select 'Log in' in the top right-hand corner of the website
  2. Enter your Username in the first box. Your Username will usually be a combination of letters and numbers that you created
  3. Enter your date of birth using the format ddmmyy. For example, if you were born on 1 January 1970, enter 010170 without spaces, commas or other characters
  4. Select 'Continue'
  5. Enter your Online Password. This is a combination of letters and numbers that you've created, and contains at least 1 upper case letter, 1 lower case letter and potentially a special character
  6. You will be asked for 3 randomly selected digits from your Secure Number. Your Secure Number is 6 digits that you chose when you set up your security details. Enter these in the correct boxes
  7. Select 'Log in'
  8. If you have two-factor authentication enabled, we will also send a verification code to your preferred phone number by SMS or call back each time you log in. Enter this code into the box in full and select 'Log in'

  Log in online

  How to log in on the app

  1. Select 'Accounts' in the bottom left corner
  2. If it is your first time logging in, or if you have not saved your details or set up biometric authentication, you will first need to enter your Username. Your Username is usually a combination of letters and numbers that you created
  3. Enter your date of birth using the format ddmmyy. For example, if you were born on 1 January 1970, enter 010170 without spaces, commas or other characters
  4. Select 'Save my username and date of birth' if you want to speed up the process in future, then select 'Continue'
  5. Enter your Online Password. This is a combination of letters and numbers that you created, and contains at least 1 upper case letter, 1 lower case letter and potentially a special character
  6. Select 'Continue'
  7. You will be asked for 3 randomly selected digits from your Secure Number. Your Secure Number is 6 digits that you chose when you set up your security details. Enter these in the correct boxes
  8. Select 'Continue'
  9. If you have two-factor authentication enabled, we will also send a verification code to your preferred phone number by SMS or call back each time you log in. Enter this code in full and select 'Log in'
  10. You may be asked if you want to set up biometric authentication, either with your fingerprint or facial recognition (depending on the device you're using). If you do not want to do this, select 'Not now'