Tax Year End deadlines
Want to make the most of your annual allowances? Here's the key information on your deadlines and our contact centre opening hours at tax year end.
Important information: As investment values can go down as well as up, you may not get back all the money you invest. Tax treatment depends on your individual circumstances and may be subject to change in the future. We cannot provide tax or legal advice. If you’re unsure if an investment account is right for you, please speak to an authorised financial adviser.
Annual allowances
Each tax year, you have generous tax allowances that help your money work harder and avoid Capital Gains Tax and Income Tax. Find out what they are, their limits and how to maximise the benefits.
| Tax year | 2025/26 |
|---|---|
| Personal allowance (income tax) | £12,570 |
| ISA allowance | £20,000 |
| Junior ISA (JISA) allowance | £9,000 |
| Pension annual allowance | up to £60,000 |
| Pension Money Purchase Annual Allowance (MPAA) | up to £10,000 |
Read more: ISA allowances | SIPP contributions
ISA/JISA account opening deadlines
This 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.
Deadlines
| New ISA applications | 11.00pm, Saturday 5 April* | Open an ISA (new customers) Add an ISA (existing customers) |
| New JISA applications | 11.00pm, Saturday 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. | ||
ISA/JISA cash subscription deadlines
Simply log in to your account to add cash to your ISA or transfer cash from your other ii accounts.
Deadlines
| Instant bank payments (online) | 9.30pm, Sunday 5 April | Find out more |
| Debit card payments (online) | 11.30pm, Sunday 5 April | Add cash |
| Cash transfers between ii accounts (online) | 11.30pm, Sunday 5 April | Transfer cash |
| Bank transfers | 11.59pm, Tuesday 31 March* | 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. | ||
ISA/JISA non-cash subscription deadlines
| Bed & ISA/JISA instructions * 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 2 April to ensure the value is included in 2025/26 subscriptions. Trades requiring longer settlement periods must be traded in good time to be included in your 2025/26 subscriptions. | 4.30pm, Friday 27 March* Find out more |
| Deposit employee share plan certificates ** 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. | 4.30pm, Wednesday 18 March** Find out more |
| Deposit certificates for a Bed & ISA/JISA transfer *** 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. | 4.30pm, Wednesday 18 March*** Find out more |
Important information: As investment values can go down as well as up, you may not get back all the money you invest. If you're unsure about investing, please speak to an authorised financial adviser. Tax treatment depends on your individual circumstances and may be subject to change in the future.
SIPP account opening deadlines
This 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.
Deadlines
| New SIPP applications | 11.00pm, Sunday 5 April* | Open a SIPP (new customers) Add a SIPP (existing 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. | ||
SIPP account contributions deadlines
Funds must be received by the deadline. If you are paying by bank transfer, we need both the funds and a completed SIPP contribution form by this time.
Deadlines
| Debit card payments Personal contribution (online) |
11.30pm, Sunday 5 April |
| Internal cash transfers from another ii account Personal contribution (online) |
11.30pm, Sunday 5 April |
| Instant bank payments Personal contribution (online) |
9.30pm, Sunday 5 April |
| Bank transfers Personal, employer and third-party contributions |
12.00pm (noon), Tuesday 31 March |
SIPP withdrawal or taking benefits deadlines
We need to receive completed forms by this time. If we need to contact you about the forms, this could mean you miss taking benefits in the current tax year.
Learn more about how to contribute and withdraw money from your SIPP on our useful forms page.
Deadlines
|
Take a tax-free lump sum (online) Move funds into drawdown and take income (online) Take an UFPLS lump sum (online) Take income from an existing flexi-drawdown pot (online) |
5.00pm, Monday 16 March |
|
Take / amend income from an existing drawdown using |
5.00pm, Monday 16 March |
| Take a tax-free lump sum, move into drawdown or take UFPLS using Taking pension benefits form |
5.00pm, Friday 13 February |
Contact centre opening hours
| Customer services | UK trading | International trading | |
| Monday 30 March | 7.45am to 5.30pm | 8.00am to 4.30pm | 2.00pm to 9.00pm |
| Tuesday 31 March | 7.45am to 5.30pm | 8.00am to 4.30pm | 2.00pm to 9.00pm |
| Wednesday 1 April | 7.45am to 5.30pm | 8.00am to 4.30pm | 2.00pm to 9.00pm |
| Thursday 2 April | 7.45am to 5.30pm | 8.00am to 4.30pm | 2.00pm to 9.00pm |
| Friday 3 April | Closed | Closed | Closed |
| Saturday 4 April | Closed | Closed | Closed |
| Sunday 5 April | Closed | Closed | Closed |
| Monday 6 April | Closed | Closed | 2.00pm to 9.00pm |
| Tuesday 7 April | 7.45am to 5.30pm | 8.00am to 4.30pm | 2.00pm to 9.00pm |
All times are in UK time.
Helping you make more of what you already have
Each year, you have an allowance you can use to maximise the tax efficiency of your savings. Get to know this years allowances to make sure you're making the most of it.
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Important information: The ii SIPP is for people who want to make their own decisions when investing for retirement. As investment values can go down as well as up, you may end up with a retirement fund that’s worth less than what you invested. Usually, you won’t be able to withdraw your money until age 55 (57 from 2028). If you’re unsure if a SIPP is right for you, please speak to an authorised financial adviser.
