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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 find the one which suits you best.

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.

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I'm investing or saving...

For...

I've used up my full ISA allowance for the current tax year (£20,000)

Investments can go down as well as up in value, so you could get back less than you put in. The information on this page isn't personal advice – please ask us for advice if you’re not sure which investments are right for you. 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).

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.

More on ISAs

Open an ISA

Tax benefits

  • Tax-free growth
  • Tax-free withdrawals
  • No UK tax on income

Minimum to open

£100
lump sum

or

£25
per month

Maximum contributions

£20,000
per year

Eligibility

  • UK resident
  • Aged 18+

Fund and Share Account

A low-cost, flexible dealing account that makes anytime trading quick and easy.

Find out more

Open an account

Tax benefits

  • Make use of your tax-free dividend allowance, capital gains tax allowance and personal savings allowance

Minimum to open

£1

or

£25
per month

Maximum contributions

Unlimited

Eligibility

  • UK and EEA residents
  • Individuals, companies, investment clubs, trusts and charities

Self-Invested Personal Pension

A flexible pension that gives you the control to choose your own investments.

More on SIPPs

Open a SIPP

Tax benefits

  • Up to 45% tax relief on contributions if under age 75 (up to 46% 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  • Up to 25% can usually be withdrawn tax free, the rest is taxed as income

Minimum to open

£100
lump sum

or

£25
per month

Maximum contributions

As much as you earn, usually up to £40,000 per year (see rules)

Eligibility

  • UK resident

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.

More on Lifetime ISAs

Open a LISA

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

Minimum to open

£100
lump sum

or

£25
per month

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 cash savings from a range of banks and building societies, all through the convenience of one online account.

Find out more

Tax benefits

Taxed as savings interest

  • Up to £1,000 tax free under personal savings allowance

Minimum to open

£1,000

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.

Find out more

Open a Junior SIPP

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

Minimum to open

£100
lump sum

or

£25
per month

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

Junior Investment Account

Hold funds and shares for a child until they are ready to trade themselves.

Find out more

Open an account

Tax benefits

  • Investments held on behalf of a child are usually taxable at their rates

Minimum to open

£1

or

£25
per month

Maximum contributions

Unlimited

Eligibility

  • Anyone can open a Junior Investment Account on behalf of a child
  • The person giving the money, the person running the account and the child all need to be UK or EEA 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.

More on Junior ISAs

Open an account

Tax benefits

  • Tax-free growth
  • No UK tax on income
  • Tax-free withdrawals from age 18

Minimum to open

£100
lump sum

or

£25
per month

Maximum contributions

£4,260 (in the 2018/2019 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.

Why HL?

  • Security - we're a FTSE 100 company, trusted by over one million clients
  • Care - if you ever need a hand, we answer our calls in just 14 seconds*
  • Ease - manage your investments anytime online or with the HL app
  • Expertise - our in-house experts provide investment research and ideas

*Average Feb - June 2018

What our clients say

I’ve found all my involvement with Hargreaves Lansdown to be superb. I actually think the whole platform works exceptionally well and I frankly wouldn’t hesitate in recommending the company to anybody.

MR HASTINGS, Devon