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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 2023
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BEST BUY PENSIONS 2023
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Important information - 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

Popular

Stocks and Shares ISA

A simple way to invest up to £20,000 free from UK tax.

More on Stocks and Shares ISAs

Open a Stocks and Shares ISA

Tax benefits

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

Minimum to open

£100
lump sum

or

£25 per month through Direct Debit

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 through Direct Debit

Maximum contributions

Unlimited

Eligibility

  • UK and EEA residents

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 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  • Up to 25% can usually be withdrawn tax free, the rest is taxed as income

Minimum to open

£100
lump sum

or

£25 per month through Direct Debit

Maximum contributions

As much as you earn, usually up to £60,000 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 (other withdrawals usually subject to 25% penalty)

Minimum to open

£100
lump sum

or

£25 per month through Direct Debit

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.

More about Active Savings

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.

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 through Direct Debit

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.

More on the Bare Trust Account

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.

More on Junior ISAs

Transfer to a HL Junior ISA

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 through Direct Debit

Maximum contributions

£9,000 (in the 2024/2025 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

More on the Cash ISA

Apply for a Cash ISA

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+
Why choose Hargreaves Lansdown?

Why HL?

  • Security - we're a FTSE-listed company, trusted by over 1.8 million clients
  • Ease - manage your investments anytime online or with the HL app
  • Expertise - our in-house experts provide investment research and ideas
  • Award-winning - we've won over 200 awards, including Best Online Stockbroker 2022/2023 by the Personal Finance Awards

What our clients say

Quick and easy mobile app for share dealing.

MRS P, Worcestershire

Extremely professional and take care to ensure everything is done correctly.

MR L, Leicestershire

The Active Savings service is provided by Hargreaves Lansdown Savings Limited (company number 8355960). Hargreaves Lansdown Savings Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 with firm reference 901007 for the issuing of electronic money.