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How to add money to a SIPP

Adding money to your HL accounts gives you more to save and is usually quickest online. Here's how to add money to a SIPP.

Before you start

  • You cannot usually access money in a SIPP until age 55 (57 from 2028). Make sure you are comfortable with this and have read the SIPP Key Features, before you add money.
  • The debit card you use should be in the same name as the HL account holder, and registered to your home address.
  • If you are looking to add money to your SIPP on behalf of your employer, please complete an employer contribution form.

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 (£1 minimum)
  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

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.

Still need help?

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