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.
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).
Investment accounts
| Overview | Eligibility | Account charge | Allowance | Withdrawal | Minimum to open | |
|---|---|---|---|---|---|---|
Stocks and Shares ISA Invest up to £20k every year free from UK tax. | UK residents 18+ | Up to 0.35%* | £20,000 per year across all ISAs | Anytime | £100 lump sum or £25 a month through Direct Debit | Open an account |
Lifetime ISA Save and invest tax-free for a first home or later life, and earn a 25% government bonus on your contributions. | UK residents 18 to 39 | Up to 0.25%* | £4,000 per year, as part of your ISA allowance | To buy an eligible first home, or from age 60 (other withdrawals usually subject to 25% penalty) | £100 lump sum or £25 a month through Direct Debit | Open an account |
Fund and Share Account Low-cost flexible dealing account. | UK and EEA residents 18+ | Up to 0.35%* | Unlimited | Anytime | £0 to open, invest from £100 or £25 a month through Direct Debit | Open an account |
Self-Invested Personal Pension (SIPP) A flexible pension that puts you in control, with up to 45% tax relief on contributions. | UK residents 18+ | Up to 0.35%* | As much as you earn, usually up to £60,000 per year | From age 55 (57 from 2028) | £100 lump sum or £25 a month through Direct Debit | Open an account |
Savings accounts
| Overview | Eligibility | Account charge | Allowance | Withdrawal | Minimum to open | |
|---|---|---|---|---|---|---|
Active Savings Save without limits with the widest range of interest rates. | UK residents 18+ | None | Unlimited | Restrictions apply to fixed rate savings | £1 | Open an account |
Cash ISA Pay no tax on interest earned. | UK residents 18+ | None | £20,000 per year across all ISAs | Restrictions apply to fixed rate savings | £1 but this can change depending on the savings products you choose within the Cash ISA | Open an account |
Junior accounts
| Overview | Eligibility | Account charge | Allowance | Withdrawal | Minimum to open | |
|---|---|---|---|---|---|---|
Junior SIPP A pension you can open for a child to help them build long-term savings. | Parents or guardians for a child who is a UK resident | Up to 0.35%* | Up to £3,600 per year (including £720 tax relief) | From age 55 (57 from 2028) | £100 lump sum or £25 a month through Direct Debit | Open an account |
Junior Stocks and Shares ISA A simple way to save up to £9,000 free from UK tax. | Parents or guardians for a child who is a UK resident | No online dealing or annual account charge* | Up to £9,000 per year | From age 18 | £100 lump sum or £25 a month through Direct Debit | Open an account |
Bare Trust Account Invest for a child without investment limits. | Anyone can set up a Bare Trust for a child, as long as the giver, account holder, and child are all UK residents | Up to 0.35%* | Unlimited | From age 18, or before as long as it's used on the child's behalf | £100 lump sum or £25 a month through Direct Debit | Find out more |
*Other charges will depend on the investments you choose.
We've won over 200 awards for our services
Trusted by over 2 million clients
HL really stood out to me as a reputable and established platform for do-it-yourself investors. They’re so trustworthy. HL’s customer service is also remarkable. They’ve always been great at explaining things to me.
Helen
When I think about Hargreaves Lansdown, I see an organisation that has a depth of knowledge and experience which allows them to provide a huge range of services to individuals with differing needs. They’re simply outstanding.
Bruce