Top up a Lifetime ISA

You can top up a Lifetime ISA in minutes with a lump sum or you can set up a monthly Direct Debit.

Before you start please make sure you have your debit card to hand.

  • All investments should be regarded as for the long term because they can go down in value as well as up, so you could get back less than you invested. Any yield is variable and not guaranteed. This is particularly important to remember if you are invested close to your house purchase withdrawal. Selling your investments earlier can give you certainty about the amount you’ll have available for your purchase.

  • Remember tax rules can change and the benefits depend on your personal circumstances.

  • Our website offers information, but not personal advice. If you're not sure which investments are right for you, please ask us for advice.

  • Before you invest, please understand the risks and terms and conditions (including tariff of charges) of your investment and make sure you've read and agreed to the Lifetime ISA declaration. The specific risks of any funds are detailed in the key features.

  • The Lifetime ISA bonus will be paid within 4 to 9 weeks of the contribution.

  • You can withdraw money from your Lifetime ISA for an eligible house purchase, from age 60 or during terminal ill health. You must have held a Lifetime ISA for at least 12 months after the first payment before you can make a withdrawal for an eligible house purchase.

  • If you withdraw money for any other reason, you’ll have to pay a 25% government withdrawal charge. This will be charged on the full withdrawal amount, so you could receive less than you have paid in.

  • If saving in a Lifetime ISA instead of enrolling in, or contributing to, a qualifying pension scheme, occupational pension scheme, or personal pension scheme: (i) You may lose the benefit of contributions by an employer (if any) to that scheme; and (ii) Your future entitlement to means tested state benefits (if any) may be affected.

Important information

If you are making your first Lifetime ISA subscription of the tax year, we will prompt you to fill out some additional information.

However, if this is not your first subscription of the tax year then the process will be the same as usual.

On the basis of the above

Top up your Lifetime ISA

Alternative options

Top up or open a Lifetime ISA by phone

Call us on 0117 980 9950. See opening times

Open a Lifetime ISA by post

Request application form

Transfer to a Lifetime ISA

Find out more