Tax Year End deadlines

Want to make the most of your 2023/24 annual allowances? Here is the key information, your deadlines and our contact centre opening hours at tax year end.

Keep more of what you make

The value of your investments may go down as well as up. You may not get back all the money that you invest. If you are unsure about the suitability of an investment product or service, you should seek advice from an authorised financial advisor.

Annual allowances

Tax year2023/242024/25
Personal Allowance (income tax)£12,570£12,570
ISA Allowance£20,000£20,000
Junior ISA (JISA) Allowance£9,000£9,000
Pension Annual Allowanceup to £60,000up to £60,000
Pension Money Purchase Annual Allowance (MPAA)up to £10,000up to £10,000

ISA and Junior ISA (JISA) deadlines

ISA/JISA account opening deadlines

Deadline
New ISA applications                                                                               11.30pm, Friday 5 April*Open an ISA (existing customers)  |  Open an ISA (new customers)
New JISA applications11.30pm, Friday 5 April*Open a JISA

Applications with an immediate subscription by debit card as part of the application process will be accepted until this time. The deadline only applies to applications that are accepted immediately online and do not require additional supporting information or verification. Please allow ample time for your application and payment to be completed.

ISA/JISA cash subscription deadlines

Deadline
Add money to your ISA/JISA by debit card11.30pm, Friday 5 April**Add cash

** Online and Mobile Apps only.

Add money to your ISA/JISA by internal transfer11.30pm, Friday 5 April***Transfer cash

*** Internal transfers between linked accounts only.

Add money to your ISA/JISA by bank transfer11.59pm, Thursday 4 April****Find out more

**** The deadline for receipt of cleared funds in our bank account. Note, bank transfers can take up to 3 working days to clear from initiation depending on the payment service your bank uses.

Alternative ISA/JISA subscription deadlines

Deadline
Bed & ISA/JISA instructions4.30pm, Thursday 28 March¹Find out more

¹ The deadline for online instructions. Telephone requests will be dealt with on a best endeavours basis after this time. Settlement must occur on or before 5 April to ensure the value is included in 2023/24 subscriptions. Trades requiring longer settlement periods must be traded in good time to be included in your 2023/24 subscriptions.

Deposit employee share plan certificates4.30pm, Wednesday 20 March²Find out more

² The deadline for receipt of a valid share certificate and transfer form from a Save As You Earn (SAYE) or Share Incentive Plan (SIP) scheme, including a Letter of Appropriation (or equivalent). This allows sufficient time for the stock to be deposited into your ISA. Requests will be dealt with on a best endeavours basis after this time.

Deposit certificates for a Bed & ISA/JISA transfer4.30pm, Wednesday 20 March³Find out more

³ The deadline for receipt of a valid share certificate and transfer form. This allows sufficient time for the stock to be deposited into your Trading Account and subsequent Bed & ISA instructions to be dealt and settled. Requests will be dealt with on a best endeavours basis after this time.

Important information - investment value can go up or down and you could get back less than you invest. If you're in any doubt about the suitability of a Stocks & Shares ISA, you should seek independent financial advice. The tax treatment of this product depends on your individual circumstances and may change in future. If you are uncertain about the tax treatment of the product you should contact HMRC or seek independent tax advice.

SIPP deadlines

SIPP account opening deadlines

Deadline
New SIPP applications                                                                               11.30pm, Friday 5 April*Add a SIPP (existing customers)  |  Open a SIPP (new customers)

New applications, including those with an immediate personal SIPP contribution by debit card as part of the application process, will be accepted until this time. The deadline only applies to applications that are accepted immediately online and do not require additional supporting information or verification. Please allow ample time for your application and payment to be completed.

SIPP contribution deadlines

Type of contributionDeadline
Debit card – personal contribution using the ii website or mobile app11.30pm, Friday 5 AprilAdd cash
Transfer cash from another ii account – personal contribution using the ii website11.30pm, Friday 5 April Transfer cash
Bank transfer – personal, employer and third party contributions (both funds received, and receipt of a completed SIPP Contribution form are required)12.00pm (noon), Wednesday 3 AprilFind out more

SIPP withdrawal / taking benefits deadlines

Type of withdrawalDeadline
Take a tax-free lump sum – using the ii website5:00pm, Monday 18 MarchWithdraw cash
Move funds into drawdown and take income – using the ii website5:00pm, Monday 18 MarchWithdraw cash
Take an UFPLS lump sum – using the ii website5:00pm, Monday 18 MarchWithdraw cash
Take income from an existing flexi drawdown pot – using the ii website5:00pm, Monday 18 MarchWithdraw cash
Take / amend income from an existing drawdown – using a Start / amend flexi income drawdown form or a Start / amend capped income drawdown form5:00pm, Monday 18 March**Find out more
Send a Benefit Confirmation Paper Form or Lifetime Allowance Paper/PDF form5:00pm, Monday 18 March**Find out more
Take a tax-free lump sum, move into drawdown or take UFPLS – using a taking pension benefits form5:00pm, Friday 16 February**Find out more

** We need to be in receipt of completed forms by this time. Should we need to contact you about the forms, it could mean you miss taking benefits in the current tax year.

Please visit our manage your SIPP online and useful forms page for more information about how to contribute and withdraw money. 

Please remember, SIPPs are aimed at people happy to make their own investment decisions. Investment value can go up or down and you could get back less than you invest. You can normally only access the money from age 55 (57 from 2028). We recommend seeking advice from a suitably qualified financial advisor before making any decisions. Pension and tax rules depend on your circumstances and may change in future.

Call centre opening hours

Customer ServicesUK TradingInternational Trading
Thursday 28th March7.45am to 5.30pm8.00am to 4.30pm2.00pm to 9.00pm
Friday 29th MarchClosedClosedClosed
Saturday 30th MarchClosedClosedClosed
Sunday 31st MarchClosedClosedClosed
Monday 1st AprilClosedClosed2.00pm to 9.00pm
Tuesday 2nd April7.45am to 5.30pm8.00am to 4.30pm2.00pm to 9.00pm
Wednesday 3rd April7.45am to 5.30pm8.00am to 4.30pm2.00pm to 9.00pm
Thursday 4th April7.45am to 5.30pm8.00am to 4.30pm2.00pm to 9.00pm
Friday 5th April7.45am to 5.30pm8.00am to 4.30pm2.00pm to 9.00pm
Saturday 6th AprilClosedClosedClosed
Sunday 7th AprilClosedClosedClosed
Monday 8th April7.45am to 5.30pm8.00am to 4.30pm2.00pm to 9.00pm

All times are in United Kingdom Time.

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The value of your investments may go down as well as up. You may not get back all the money that you invest. If you are unsure about the suitability of an investment product or service, you should seek advice from an authorised financial advisor.