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25% charge if withdrawn for any reason other than to buy a first home, at 60 for retirement, or in the case of terminal illness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