Compare our accounts
Whether you're saving for retirement or a rainy day, your first home or your children's future, we can help.
Our award-winning accounts let you invest tax-efficiently to achieve your life goals. And no matter which account you choose, you can save money with our low-cost dealing charges, invest on the go with our mobile apps, and pick your portfolio easily with our expert investment ideas.
Age you can start
Any age
- SIPP
18+
- ISA
18-39
- Lifetime ISA
18+
- Dealing account
Annual savings limit
Max £40,000 per year. Highest earners restricted to as little as £4,000
- SIPP
Max £20,000 across all ISAs
- ISA
Max £4,000 per year (overall ISA limit is £20,000)
- Lifetime ISA
None
- Dealing account
Government contribution
20% tax relief (equivalent to 25% bonus) paid into pension. Higher rate and additional rate tax relief can be claimed separately.
- SIPP
None
- ISA
25% bonus (max £1,000 per year)
- Lifetime ISA
None
- Dealing account
Employer top-ups
Can be paid
- SIPP
None
- ISA
None
- Lifetime ISA
None
- Dealing account
Investment options
Invest in full range of funds, shares, bonds and trackers
- SIPP
Invest in full range of funds, shares, bonds and trackers
- ISA
Invest in full range of funds, shares, bonds and trackers
- Lifetime ISA
Invest in full range of funds, shares, bonds and trackers
- Dealing account
Tax on withdrawal
25% tax free, then subject to income tax
- SIPP
None
- ISA
See Early access penalty
- Lifetime ISA
Subject to Capital Gains Tax
- Dealing account
Age you can access
55 (rising to 57 in 2028)
- SIPP
Anytime
- ISA
For the purchase of first home, for retirement from age 60 or in the case of terminal illness. See below for penalty if withdrawing at any other time.
- Lifetime ISA
Anytime
- Dealing account
Early access penalty
No early access permitted unless in ill health
- SIPP
None
- ISA
25% charge if withdrawn for any reason other than to buy a first home, at 60 for retirement, or in the case of terminal illness
- Lifetime ISA
None
- Dealing account
We've a range of accounts to help you invest for your child's future.