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.

Self-invested personal pension

Read more on SIPPs

Stocks and shares ISA

Read more on ISAs


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25% charge if withdrawn for any reason other than to buy a first home, at 60 for retirement, or in the case of terminal illness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

Compare our accounts for children

We've a range of accounts to help you invest for your child's future.