How to add money to a Lifetime ISA

Adding money to your Lifetime ISA is quickest online. Here's how you can do it.

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Before you start

  • Withdrawals from a Lifetime ISA before age 60 that are not for an eligible first home purchase will normally incur a government withdrawal charge of 25%, so you could get back less than you put in. Make sure you are comfortable with this before you add money.
  • Make sure you have enough of your ISA allowance left in the current tax year before you add money to your account.  
  • The debit card you use should be in the same name as the HL account holder and registered to your home address. 
  • If you would like to add a regular amount of money each month, you can set up a Direct Debit.

How to add money on the website

  1. Log in online to see your accounts.  
  2. From the list of actions, select ‘Top up’ next to your Lifetime ISA account.  
  3. Read the Key Features before going any further.  
  4. Enter the amount of money you want to add.  
  5. Enter the 16-digit number across the middle of your debit card.  
  6. Enter your card’s expiry date in the format MM/YY.  
  7. Enter the CVC number. This is the last 3 digits on the back of the card.  
  8. Select ‘Make payment’ to confirm.  
Add money on the website

How to add money on the mobile app

  1. Select ‘Accounts’ in the bottom left corner.  
  2. Log in.  
  3. Select your Lifetime ISA account.  
  4. Select ‘Add money’.  
  5. Read the important information shown. 
  6. Enter the amount you want to add then select ‘Continue’.  
  7. Enter the details of the debit card you want to use.  
  8. Select ‘Make payment’ to confirm.  

What happens next

Your ‘amount available to invest’ will update as soon as the payment is authorised, although the money may not leave your bank account until a few days later.  

You will be able to trade as soon as you have added money. 

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