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How to add money to a SIPP

Adding money to your SIPP is quickest online. Here's how you can do it.

On this page

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.
  • If you would like to add a regular amount of money each month, you can set up a Direct Debit.

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 SIPP account. 
  3. Read the Key Features and terms and conditions 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.  
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How to add money on the mobile app

  1. Select ‘Accounts’ in the bottom left corner.  
  2. Log in.  
  3. Select your SIPP account.  
  4. 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. 

Also in Adding and withdrawing money

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