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

Annual allowances.
Tax year | 2021/22 | 2022/23 |
ISA subscription limit | £20,000 | £20,000 |
Junior ISA (JISA) subscription limit | £9,000 | £9,000 |
SIPP Lifetime Allowance (LTA) limit | £1,073,100 | £1,073,100 |
SIPP Annual Allowance limit (standard and additional rate taxpayers) | up to £40,000 | up to £40,000 |
SIPP Money Purchase Annual Allowance (MPAA) | £4,000 | £4,000 |
ISA and Junior ISA deadlines.
New ISA applications | 11.30pm, Tuesday 5th April* | open an ISA |
New JISA applications | 11.59pm, Monday 4th April* | open a JISA |
Add money to your ISA/JISA by debit card | 11.30pm, Tuesday 5th April** | add cash |
Add money to your ISA/JISA by internal transfer | 11.30pm, Tuesday 5th April*** | transfer cash |
Add money to your ISA/JISA by bank transfer | 11.59pm, Monday 4th April**** | find out more |
Bed & ISA/JISA instructions | 4.30pm, Wednesday 30th March***** | find out more |
* 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.
** Online and Mobile Apps only.
*** Internal transfers between linked accounts only.
**** 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.
***** The deadline for online instructions. Telephone requests will be dealt with on a best endeavours basis after this time.
SIPP deadlines.
SIPP applications | Deadline | |
New SIPP applications | 11.30pm, Tuesday 5th April* | open 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 contribution | Deadline | |
Debit card – personal contribution using the ii website or mobile app | 11.30pm, Tuesday 5th April | add cash |
Transfer cash from another ii account – personal contribution using the ii website | 11.30pm, Tuesday 5th 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), Thursday 31st March | find out more |
SIPP withdrawal / taking benefits deadlines
Type of withdrawal | Deadline | |
Take a tax-free lump sum – using the ii website | 5:00pm, Monday 21st March | withdraw cash |
Move funds into drawdown and take income – using the ii website | 5:00pm, Monday 21st March | withdraw cash |
Take an UFPLS lump sum – using the ii website | 5:00pm, Monday 21st March | withdraw cash |
Take a tax-free lump sum, move into drawdown or take UFPLS – using a taking pension benefits form | 5:00pm, Friday 18th February ** | find out more |
Take / amend income from an existing drawdown – using a Start / amend income drawdown form or a Start / amend capped income drawdown form | 5:00pm, Friday 18th March ** | find out more |
Send a Benefit Confirmation Paper Form or Lifetime Allowance Paper/Pdf Form | 5:00pm, Friday 18th March ** | 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 and useful forms page for more information about how to contribute and withdraw money.
Call centre opening hours.
Customer Services | UK Trading | International Trading | |
Wednesday 30th March | 7.45am to 5.30pm | 8.00am to 4.30pm | 2.00pm to 9.00pm |
Thursday 31st March | 7.45am to 5.30pm | 8.00am to 4.30pm | 2.00pm to 9.00pm |
Friday 1st April | 7.45am to 5.30pm | 8.00am to 4.30pm | 2.00pm to 9.00pm |
Saturday 2nd April | Closed | Closed | Closed |
Sunday 3rd April | Closed | Closed | Closed |
Monday 4th April | 7.45am to 5.30pm | 8.00am to 4.30pm | 2.00pm to 9.00pm |
Tuesday 5th April | 7.45am to 5.30pm | 8.00am to 4.30pm | 2.00pm to 9.00pm |
Wednesday 6th April | 7.45am to 5.30pm | 8.00am to 4.30pm | 2.00pm to 9.00pm |
Thursday 7th April | 7.45am to 5.30pm | 8.00am to 4.30pm | 2.00pm to 9.00pm |
All times are in United Kingdom Time
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Whether you are looking for a general trading account, an ISA or a SIPP, we’ve got you covered with a low, flat fee.
Risk Warning: The price and value of investments and their income fluctuates: you may get back less than the amount you invested. If you are unsure about the suitability of a particular investment or think that you need a personal recommendation, you should speak to a suitably qualified financial adviser. Please note, the tax treatment of these products depends on the individual circumstances of each customer and may be subject to change in future. If you are uncertain about the tax treatment of the products you should contact HMRC or seek independent tax advice.