Compare Accounts
Whether you're looking to save or invest, explore our range of accounts tailored to your needs and goals.
Before you invest: investing for 5+ years increases your chances of positive returns compared to cash savings. But investments rise and fall in value, so your child could get back less than you put in. You're responsible for your investment decisions. Tax benefits depend on circumstances and rules can change.
Which accounts are you looking for?
Investment accounts
| Overview | Eligibility | Account charge | Allowance | Withdrawal | |
|---|---|---|---|---|---|
Stocks and Shares ISAInvest up to £20k every year free from UK tax. Learn more |
UK residents 18+ |
0.45%* |
£20,000 per year across all ISAs |
Anytime |
|
Lifetime ISASave and invest tax-free for a first home or later life, and earn a 25% government bonus on your contributions. Learn more |
UK residents 18 to 39 |
0.25%* |
£4,000 per year, as part of your ISA allowance |
To buy an eligible first home, or from age 60 |
|
Fund and Share AccountLow-cost flexible dealing account. Learn more |
UK residents 18+ |
0.45%* |
Unlimited |
Anytime |
|
Self-Invested Personal Pension (SIPP)A flexible pension that puts you in control, with up to 45% tax relief on contributions. Learn more |
UK residents 18+ |
0.45%* |
£60,000 per year |
From age 55 (57 from 2028) |
Savings accounts
| Overview | Eligibility | Account charge | Allowance | Withdrawal | |
|---|---|---|---|---|---|
Active SavingsSave without limits with our widest range of interest rates. Learn more |
UK residents 18+ |
None |
Unlimited |
Restrictions apply to fixed rate savings |
|
Cash ISAPay no tax on interest earned. Learn more |
UK residents 18+ |
None |
£20,000 per year across all ISAs |
Restrictions apply to fixed rate savings |
Junior Accounts
| Overview | Eligibility | Account charge | Allowance | Withdrawal | |
|---|---|---|---|---|---|
Junior SIPPFixed term savings up to £1k every year free from UK tax. Learn more |
Parents or guardians. The child must be a UK resident. |
0.45%* |
Up to £2,880 per year |
From age 55 (57 from 2028) |
|
Junior Stocks and Shares ISAA simple way to save up to £20,000 free from UK tax. Learn more |
Parents or guardians. The child must be a UK resident. |
No online dealing or annual account charge.* |
Up to £9,000 per year |
From age 18 |
*Other charges will depend on the investments you choose.
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Compare Accounts
Find the one that's right for you
The right account for you will depend on your goals. Whether you’re building a pension pot or just saving for the future, we can help.
You can check the different features of our award-winning investment and savings accounts in the table below, or tell us your goals to narrow the field.
This table is here to help you choose an account yourself, but it’s not advice or a personal recommendation on what might be suitable for you. If you’re not sure, you should consider financial advice.
BEST BUY ISA 2025
Boring Money Best Buys
BEST BUY SIPP 2025
Boring Money Best Buys
Important information: investing for longer increases the likelihood of positive returns. Over a period of five years or more, investments usually give you a higher return compared to cash savings. But investments can go down as well as up in value, so you could get back less than you put in.
Tax rules can change and their benefits depend on your circumstances. Once in a pension your money isn't usually accessible until 55 (57 from 2028).
I'm investing or saving...
For...
I've used up my full ISA allowance for the current tax year (£20,000)
Compare accounts table
Overview
Tax benefits
Minimum to open
Maximum contributions
Eligibility
Stocks and Shares ISA
A simple way to invest up to £20,000 free from UK tax.
Tax benefits
- Tax-free growth
- Tax-free withdrawals
- No UK tax on income
Maximum contributions
£20,000
per year
Eligibility
- UK resident
- Aged 18+
Self-Invested Personal Pension
A flexible pension that gives you the control to choose your own investments.
Tax benefits
- Up to 45% tax relief on contributions if under age 75 (up to 47% for Scottish tax payers)
- Tax-free growth
- No UK tax on investment income (i.e. dividends and interest payments)
- Up to 25% can usually be withdrawn tax free, the rest is taxed as income
Maximum contributions
As much as you earn, usually up to £60,000 per year (see rules)
Eligibility
- UK resident
Fund and Share Account
A low-cost, flexible dealing account that makes anytime trading quick and easy.
Tax benefits
- Make use of your tax-free dividend allowance, capital gains tax allowance and personal savings allowance
Maximum contributions
Unlimited
Eligibility
- UK and EEA residents
Lifetime ISA
Save and invest for your first home or later life, with up to £1,000 per year in extra help from the government.
Tax benefits
- 25% government bonus on any contributions
- Tax-free growth
- No UK tax on income
- Tax-free withdrawals when buying a first home or at age 60 (other withdrawals usually subject to 25% penalty)
Maximum contributions
£4,000 per year until age 50 (contributions also count towards your £20,000 ISA allowance)
Eligibility
- UK resident
- Aged 18 - 39
Active Savings
Pick and mix easy access and fixed term savings from a range of banks and building societies through one online account.
Tax benefits
Taxed as savings interest
- Up to £1,000 tax free under personal savings allowance
Minimum to open
£1
Maximum contributions
Unlimited
although savings products will have individual limits
Eligibility
- UK resident
Junior SIPP
A self-invested personal pension you can start on behalf of a child to help them invest for later life.
Tax benefits
- 20% boost from the government
- Tax-free growth
- No UK tax on investment income (i.e. dividends and interest payments)
- Up to 25% can usually be withdrawn tax free, the rest is taxed as income
Maximum contributions
£3,600
per year (including £720 tax relief)
Eligibility
- Parents or guardians can open a Junior SIPP for their child, if the child is a UK resident
Bare Trust Account
Invest for a child with no investment limits using a bare trust.
Money can be accessed before the child turns 18 as long as it is used for their benefit. From 18 the child is automatically entitled to the money in the bare trust.
Tax benefits
- Investments held on behalf of a child are usually taxable at their rates
Minimum to open
£100
or
£25
per month
Maximum contributions
Unlimited
Eligibility
- Anyone can open a Bare Trust Account on behalf of a child
- The person giving the money, the person running the account and the child all need to be UK resident
Junior Stocks and Shares ISA
Why wait to start investing in their future? A Junior ISA is a tax-efficient investment account for children under 18, and anyone can add money to it.
Tax benefits
- Tax-free growth
- No UK tax on income
- Tax-free withdrawals from age 18
Maximum contributions
£9,000 (in the 2025/2026 tax year)
Eligibility
- Parents or guardians can open a Junior ISA for their child, if the child is a UK resident
- Children born between 1 September 2002 and 2 January 2011 need to have transferred their Child Trust Fund to a Junior ISA to open an account.
Cash ISA
A simple way to save up to £20,000 free from UK tax.
Tax benefits
- No UK tax on interest
- Tax-free withdrawals
- Tax-free withdrawals from age 18
Minimum to open
£1
but this can change depending on the savings products you choose within the Cash
ISA
Maximum contributions
£20,000
per year
Eligibility
- UK resident
- Aged 18+
Save on fees with our latest offers
Invest for less with our lowest ever account charge
Open a new HL Stocks and Shares ISA or SIPP by 30 June 2025 and get 40% off your account charge for up to six months. Minimum £10,000 to qualify, includes transfers and cash payments. Discounted charge applies between 1 July 2025 and 31 December 2025.
Contact our helpdesk for an extension if you need more time to apply to transfer. Transfers must complete before 31 December 2025 to qualify for the offer. You'll receive a reduction on your account charge for the remainder of the offer period.
See full ISA offer terms and SIPP offer terms.
Choose free regular investing and get cashback
Take the hassle out of investing with automatic, monthly Direct Debits. Start investing from as little as £25 a month and buy a wide range of investments without paying dealing charges. Some investments will have their own charges.
Plus, set up a Direct Debit in your ISA or SIPP by 26 June 2025 and get a full year's worth of account charges back on your total monthly payments.
Your Direct Debit must stay in place for one year to qualify. Your cash refund will be paid by July 2026. See full offer terms.
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