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 £10,000

- 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25% charge if withdrawn for any reason other than to buy a first home, at 60 for retirement, or in the case of terminal illness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

Compare our range of accounts for children

Choosing the right account to give your offspring the best possible start in life is important. We offer a range of options to help you save for your children and choosing the correct one for you will depend largely on how and when you expect your child to be using the money you have saved for them.

For more information on the range of accounts See our comparison table