How to add money to a Junior Investment Account

Adding money to your HL accounts gives you more to invest and is usually quickest online. A Junior Investment Account is a Fund and Share Account held on a child’s behalf. There are different instructions if you want to add money to a Junior ISA or add money to a Junior SIPP.

Here's how to add money to a Junior Investment Account.

Before you start

• Only the account holder can trade after money has been added.

How to add money on the website

1. Log in online to see your accounts
2. From the list of actions, select 'Top up' next to your chosen account
3. Read the Key Features before going any further
4. Enter the amount of money you want to add
5. Enter the 16-digit number across the middle of your debit card
6. Enter your card's expiry date in the format MM/YY
7. Enter the CVC number. This is the last 3 digits on the back of the card
8. Select 'Make payment' to confirm

How to add money on the mobile app

1. Select 'Accounts' in the bottom left corner
2. Log in using the verification method you have set up
3. Select the account you want to add money to
4. Select 'Action' then select 'Add money'
5. Read the important information shown
6. Enter the amount you want to add then select 'Continue'
7. Enter the details of the debit card you want to use
8. Select 'Make payment' to confirm

By bank transfer

You can add money to your Fund and Share Account directly from your bank account using these details:

Account number: 03124772
Sort code: 30-92-13
Reference: Your HL Client Number and surname

The money is usually available straightaway when completing a bank transfer from your nominated bank account.

If you do a bank transfer from a different bank account, this can take 1-2 working days to be applied to the account.

What happens next

Your 'amount available to invest' will update as soon as the payment is authorised, although the money may not leave your bank account until a few days later.

You will be able to trade as soon as you have added money.

Adding money timings

If you've added money to your account by debit card, you'll want to understand how long it takes before you can invest it. Here's what you need to know.

Money reaches your HL account: Immediately

When you can trade : Immediately

The 'amount available to invest' for your chosen account will update as soon as your debit card payment is authorised.

Then you can trade straightaway. It may take 1-2 working days for the money to leave your bank account.

Your HL account may also show a negative balance if you trade before this happens.

If you see a negative balance after adding money

A negative balance is normal after you've added money. It will update soon as the money arrives in your HL account.