Tax year ends 5 April: Secure your allowances and take advantage of our latest special offers. Terms apply.

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SAVING AND INVESTING

Make the most of your ISA and pension allowances with the
UK's #1 investment and savings platform.

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 you could get back less than you put in. Tax benefits depend on your circumstances and rules can change. You’re responsible for your investment decisions. This isn’t personal advice. If you’re not sure what’s right for you, ask for financial advice.

ISAs and pensions can help you make the most of your money at every stage of life.

With UK tax bills nearing record highs, we think it makes sense to take advantage of your allowances if you can.

You can pay up to £20,000 into an ISA each tax year. The annual pension allowance is £60,000 for most people. If you want to secure this year’s allowances, you’ll need to act soon – this tax year ends at midnight on 5 April.

Plus, you could benefit from one or more of our special offers for new and existing HL clients.

Cashback available

HL Stocks and Shares ISA

Invest free from UK tax with our most popular account.

Pick your own investments or choose from ready-made options.

Open an ISA

Top up ISA

Prize draw now on

HL Cash ISA

Earn tax-free interest and get great rates from multiple banks.

Maximise your savings with a market-leading 1 year fixed Cash ISA rate. Available on deposits from £500.

Cashback available

Self-Invested Personal Pension

Secure 20%-48% tax relief with the UK’s largest direct SIPP provider.

Open a SIPP

Top up SIPP

HL Junior ISA

Give your child a headstart with the UK’s best value Junior Stocks and Shares ISA.

Pay in up to £9,000 each tax year.

Open a Junior ISA

Top up Junior ISA

Prize draw now on

HL Lifetime ISA

Invest for your first home or later life and get a 25% government bonus.

Pay in up to £4,000 each tax year.

Open a Lifetime ISA

Top up Lifetime ISA

Tax benefits depend on your circumstances and rules can change.

Pensions are designed to help fund retirement so can’t usually be accessed until you’re 55 (rising to 57 in 2028).

Children will gain access to money held in a Junior ISA at age 18.

Lifetime ISAs can be opened age 18 – 39. Withdrawal restrictions apply.

Your chance to win £50,000. Open or top up an HL Stocks and Shares ISA, HL Cash ISA, HL Lifetime ISA or HL SIPP with £3,500 or more. We’ll automatically enter you into our prize draw to win one of two £50,000 cash prizes. Offer applies to contributions made between 10 February and 5 April 2025. You’ll need to keep the qualifying amount in your account until 20 May 2025.

Register to enjoy £100 - £3,000 cashback when you open or transfer to the HL Stocks and Shares ISA or SIPP. Minimum £10,000 contribution or transfer. You’ll need to keep the qualifying amount in your account until 31 March 2026. Cashback will be paid in April 2026.

All offers end 5 April. Terms apply.

View all offers and full terms

Before transferring you should check the costs involved and whether you’d lose any valuable benefits.

Hear HL client stories

Jack enjoys the investment choice offered with the HL Stocks and Shares ISA.

Drone footage of Uphill Beach, North Somerset is shown on screen. Background music plays. We see a red, Volkswagen campervan driving down a country road, on its way to the beach.

The voice of Jack, an HL client for 4 years, is introduced over the footage.

"If I had to describe HL in two words, I’d say ‘easy’ and ‘approachable’.

When I first started, I knew nothing about investments. It was something that I felt was for people a lot richer than me. However, I soon realised that anyone can invest."

We see Jack sitting in front of his campervan on the beach.

"I’m Jack. I’m 36. About ten years ago, my job brought me down to Bristol. This is where myself, my wife and two kids have set up our lives – in the wonderful South West!

I’ve never been very good at saving money – it’s not something that comes naturally to me. However, starting a career and becoming an adult, with children, has made me appreciate its importance."

Footage of Jack having a cup of tea and walking on the beach.

"I have an HL Stocks and Shares ISA. That works perfectly for me. Each year up to £20,000 can be saved effectively tax free, so it’s a good place to start.

I also have HL Junior ISAs for each of my two children. I put a little bit of money into their accounts each month. It’s going to be in there for 18+ years, so has plenty of time to grow. Hopefully they’ll do something sensible with it once they have access!

One great advantage I’ve found on the HL mobile app is having my own investments alongside my family’s. I can link the accounts, which means I’m able to see everything in one place and add money as and when required. It’s very easy.

At HL, I’ve found there’s a massive amount of investment choice. There are a huge range of shares to choose from, as well as funds and ready-made options. It made getting started with investing a lot easier.

The power of investing has given added security to my family. It’s ensured that we have both a rainy-day fund and much longer-term, hopefully an early retirement fund."

The camera pans out and we see drone footage of the campervan on the beach. Text appears on screen, reading: ‘Get started with investing today at www.hl.co.uk.

The Hargreaves Lansdown logo appears at the end of the video.

The final still reads:

'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 unlike cash, you could get back less than you put in.

Tax rules can change and the tax benefits of ISAs depend on your circumstances. Your child must be a UK resident under age 18 to be eligible for a Junior ISA.

This video isn’t personal advice. If you’re not sure what’s right for you or your child, please contact us for advice.'

Meet Julie, our very first Self-Invested Personal Pension (SIPP) client.

Drone footage of Dunnington, York, is shown on screen. Background music plays. We see upclose snippets of Julie's home, such as books and decorations.

The voice of Julie, an HL client, is introduced over the footage.

"One of my values is independence and flexibility. I needed a pension really that would tick those boxes. The Hargreaves Lansdown SIPP did that for me."

We see Julie talking in front of the camera.

"The SIPP has certainly kind of worked very well for me because it needed to be flexible. My income was up and down. It was ad hoc. I wanted to be able to choose how much to put into each year, and sort of feel like I had a control over my future."

"I quite enjoyed, you know, keeping an eye on it and making my own decisions. And as your life changes, you know that you've got that adaptability, that flexibility within the SIPP. Because life will throw all sorts of things at you. You need to be ready to move with that."

We see Julie visiting the HL website using her computer.

"So I think I probably felt very at home with Hargreaves Lansdown over the years, just they’re my go to."

"They seemed to be a good kind of respected company, and I think they stood the test of time in that respect."

"The service, actually, is one of the key things that they offer, which has kept me engaged with them over all these years. I do feel like you can always pick up the phone and speak to somebody at Hargreaves Lansdown. You get straight through to them, there's no messing about, which is unusual these days. They're there for you and they’re caring and have time for you. So that's very good too isn't it, personal touch."

We see footage of Julie reading a book on a chair with her dog.

"Retirement is definitely about, you know, working less and living more. I look at my holdings now and the amount I've got in the SIPP and I'm very pleasantly surprised. Amazed even. It's a very happy and comfortable feeling."

"I do feel oddly fond of Hargreaves Lansdown and my SIPP. I feel like we sort of built it together."

"I think the SIPP it's almost like a friend. It's come along with me on my journey and it's still there, and I can just see it kind of rolling on each year. I enjoy referring to it and seeing it grow. It's just giving me that sense of safety and security, but also it's just a source of, a bit of a source of joy, really."

Drone footage of Julie's home is shown on screen. Julie is seen in her garden playing fetch with her dog.

"I've invested that money from an early age. It's like the culmination almost, of my working life. At the end, you know, if you have got this sort of pot that you've created and you've contributed to over all those working years it’s kind of a little bit of a testament or a legacy that you've created, either for yourself or for your nearest and dearest to pass on to them or to enjoy with them actually."

This video isn’t personal advice. If you’re not sure what’s right for you, ask us for financial advice. Remember, a SIPP is designed for people who are happy to make their own investment decisions. Pension funds are typically accessible from age 55 (rising to 57 in 2028). Investments can go down as well as up in value, meaning you may get back less than you put in.

HL Ready-Made Investments

Take the hassle out of investing with our expertly managed, all-in-one investments.

Find out more

More ways to make the most of your money this tax year

Share Exchange (Bed and ISA or Bed and SIPP)

Venture Capital Trusts (VCTs)

Expert advice when you need it

Find out if we could help you utilise your tax allowances effectively.

Book and have your call with our advisory team by 14 March. If you’re happy with our charges, we can follow up with personalised tax recommendations in time for the 5 April deadline.

We can advise you on how to use your tax allowances but if you need complex tax calculations, we recommend consulting an accountant.

Find out more about financial advice

Frequently asked questions

Each tax year (6 April to 5 April), there’s a limited amount of money you can put in ISAs or pensions. These limits are set by the government. In the 2024/2025 tax year:
- The ISA allowance is £20,000.
- For pensions, if you’re a UK resident under the age of 75, you can usually add as much as you earn and receive tax relief each year, although there is an annual allowance, which is £60,000 for most people. Each personal contribution includes the money you put in, as well as what the government adds in basic rate tax relief.
Learn more about pension contributions

Rules can change and the benefits depend on your circumstances. Money in a pension is not usually accessible until at least age 55 (57 from 2028).
You can open a Stocks and Shares ISA, Self-Invested Personal Pension (SIPP), Junior ISA or Lifetime ISA from a £100 lump sum, or £25 a month.
You can open a Cash ISA from as little as £1.
You can check how much you’ve paid into your ISA or SIPP online or with the HL app.
1. Log in to your account online or with the HL app.
2. Select the name of your account e.g. Stocks and Shares ISA or HL SIPP.
3. Select the ‘Transaction history’ tab online or ‘cash subscriptions’ on the HL app.
If you know your login details and want to change them, you can do this online in just a few steps. Here's how to do it.

Before you start
- Have your Username, current Online Password and Secure Number to hand. If you've forgotten them, you can reset them online.
- It is not possible to change your Username online. If you think someone else might have access to your Username, please call us on 0117 980 9984.
How to change login details on the website
1. Log in online to see your accounts
2. Select 'Account Settings' from the tab list of options
3. Select 'Passwords and timeout preference' from the list of options
4. Select 'Edit details' for 'Online Password and Secure Number'
5. Choose whether to change your Online Password, Secure Number, or both
6. Enter your security details and select 'Continue'
7. If you have two-factor authentication enabled, we will also send a verification code to your preferred phone number by SMS or call back. Enter this code into the box in full and select 'Log in'
8. Enter your new Online Password and/or Secure Number and select 'Update'
Change login details

What happens next

You will be able to use your new login details as soon as you've updated them.

These will work when logging in on the website and the mobile app.
Logging in online means you can look after your accounts and trade from your computer, tablet or smartphone. Here's how to log in.

Before you start

You will need your Username, date of birth, Online Password and Secure Number to log in. If you have not set these up yet, you can register for online access.

How to log in on the website
1. Select 'Log in' in the top right-hand corner of the website
2. Enter your Username in the first box. Your Username will usually be a combination of letters and numbers that you created
3. Enter your date of birth using the format ddmmyy. For example, if you were born on 1 January 1970, enter 010170 without spaces, commas or other characters
4. Select 'Continue'
5. Enter your Online Password. This is a combination of letters and numbers that you've created, and contains at least 1 upper case letter, 1 lower case letter and potentially a special character
6. You will be asked for 3 randomly selected digits from your Secure Number. Your Secure Number is 6 digits that you chose when you set up your security details. Enter these in the correct boxes
7. Select 'Log in'
8. If you have two-factor authentication enabled, we will also send a verification code to your preferred phone number by SMS or call back each time you log in. Enter this code into the box in full and select 'Log in'
Log in online

How to log in on the app
1. Select 'Accounts' in the bottom left corner
2. If it is your first time logging in, or if you have not saved your details or set up biometric authentication, you will first need to enter your Username. Your Username is usually a combination of letters and numbers that you created
3. Enter your date of birth using the format ddmmyy. For example, if you were born on 1 January 1970, enter 010170 without spaces, commas or other characters
4. Select 'Save my username and date of birth' if you want to speed up the process in future, then select 'Continue'
5. Enter your Online Password. This is a combination of letters and numbers that you created, and contains at least 1 upper case letter, 1 lower case letter and potentially a special character
6. Select 'Continue'
7. You will be asked for 3 randomly selected digits from your Secure Number. Your Secure Number is 6 digits that you chose when you set up your security details. Enter these in the correct boxes
8. Select 'Continue'
9. If you have two-factor authentication enabled, we will also send a verification code to your preferred phone number by SMS or call back each time you log in. Enter this code in full and select 'Log in'
10. You may be asked if you want to set up biometric authentication, either with your fingerprint or facial recognition (depending on the device you're using). If you do not want to do this, select 'Not now'

I just think HL are a really good company. I think they’re switched on. They know what they’re doing. They’re a trustworthy company. There’s just something about them that makes you feel safe.

Lynne, HL client since 2015

Best Buy ISA 2023
Boring Money Awards

Best Savings Platform 2024
Good Money Guide Awards

Best Buy Pension 2024
Boring Money Awards

The HL Cash ISA service is provided by Hargreaves Lansdown Savings Limited (company number 8355960). Hargreaves Lansdown Savings Limited is authorised and regulated by the Financial Conduct Authority (firm reference number 915119). 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.

Hargreaves Lansdown Asset Management Limited, Hargreaves Lansdown Advisory Services and Hargreaves Lansdown Savings Limited are subsidiaries of Hargreaves Lansdown plc (company number 2122142).

Ready-Made Investments

Ready-Made Pension Plan

Lifetime ISA

Stocks and Shares ISA

Fund and Share Account

Cash ISA

Junior Stocks and Shares ISA

SIPP (Self-Invested Personal Pension)

Active Savings Account

Junior SIPP (Child's pension)

Bare Trust Account