Hargreaves Lansdown is a leading UK investment platform and financial services provider based in Bristol. The company offers share dealing, funds, ISAs, SIPPs, and wealth management services to retail investors. Known for its comprehensive research tools and educational resources, HL operates a user-friendly platform with extensive market coverage. The firm provides both execution-only services and financial advice whilst maintaining a strong reputation for customer service.
Join Hargreaves Lansdown Affiliate link. Capital at risk when investing. Terms applyStocks & Shares ISA
3.9SIPP
4.2Junior Stocks & Shares ISA
4.6Junior SIPP
3.8Lifetime Stocks & Shares ISA
4.0Lifetime Cash ISAThis broker does not offer Lifetime Cash ISA or we have not added it to our dataset yet.
N/ACash ISA
3.9Portfolio size (for fee calculations)
Fi Score rankingWhere this SIPP ranks compared to other personal pensions based on Fi Score 5
Fi Fee (£10k balance)(£100k balance)(£500k balance)Our unique calculation for comparable fees across brokers for each account type, based on a 10k100k500k portfolio. Your fees may vary. £35
SIPP fee notes The HL SIPP has a platform fee of 0.35% for shares and ETFs, capped at £150 per year. It now costs £1.95 to buy or sell funds, and when holding funds, there's a 0.35% fee on the first £250k which gradually lowers after that, with fees capped at £3,750 per year (once you hit £2m portfolio). You can avoid HL's standard £6.95 trading commissions for select investments when investing monthly via direct debit from £25/month. There's also reduced commissions of £3.95 if you make 20+ trades each month.
Minimum account chargeThe minimum amount you need to pay for this SIPP, excluding account fee reductions or discounts. £0
FX feeThe currency conversion fee when purchasing investments that aren't listed in GBP (£). 0.99%
In-specie transfersDoes this SIPP support the transfer of investments? Yes
ETFsAccount fee on ETFsThe account fee you'll pay when investing in ETFs. 0.35%
ETF account fee capThe maximum amount you'll pay in account fees when investing in ETFs. £150 per year
ETF trading feeThe amount you'll pay to invest in an ETF in this SIPP, excluding trading volume discounts. £6.95
ETF regular investing feeThe amount you'll pay to invest in ETFs when using an ongoing regular investment. £0
Mutual fundsAccount fee on fundsThe account fee you'll pay when investing in mutual funds. 0.35%
Fund fee capThe maximum amount you'll pay in account fees when investing in mutual funds. £3,750
Fund trading feeThe amount you'll pay to invest in a mutual fund in this SIPP, excluding trading volume discounts. £1.95
SharesShare trading feeThe amount you'll pay to invest in company shares in this SIPP, excluding trading volume discounts. £6.95
SIPP featuresEmployer contributionsDoes this SIPP allow contributions from your employer? Yes
Director depositsDoes this SIPP allow company directors to deposit company funds? Yes
DrawdownDoes this SIPP support drawdown? Yes
Hargreaves Lansdown's SIPP provides access to DIY investing (you can choose your own investments), ready-made portfolios, and professionally-managed portfolios. You can invest into individual stocks, ETFs (exchange-traded funds), mutual funds, commodities, and MMFs (money market funds).
Investors can transfer their investments in-specie, meaning their portfolio can be moved to or from another platform without being converted to cash first.
Fractional shares aren't supported, meaning you can only buy whole units of each investment. This can lead to leftover cash being sat in the account when making ongoing investments.
When it comes to a pension offering, this SIPP covers most of the major features you’d be looking for: drawdown is supported (you can start withdrawing your pension in retirement), limited company directors can deposit via their business (tax effectively), and employers can deposit into their employee’s SIPPs too.
Hargreaves Lansdown's SIPP ranks joint-12th by Fi Fee for small investors, but fares slightly better at 7th for bigger investors. They charge 0.99% as an FX fee for investments in foreign currencies.
The HL SIPP has a platform fee of 0.35% for shares and ETFs, capped at £150 per year. It now costs £1.95 to buy or sell funds, and when holding funds, there's a 0.35% fee on the first £250k which gradually lowers after that, with fees capped at £3,750 per year (once you hit £2m portfolio). You can avoid HL's standard £6.95 trading commissions for select investments when investing monthly via direct debit from £25/month. There's also reduced commissions of £3.95 if you make 20+ trades each month.
Interest rate (AER)The interest rate offered in their easy access (withdraw anytime) Cash ISA, or closest equivalent, at the time of our last update. 4.00%
Flexible?Can you withdraw and redeposit without affecting your annual ISA limit? No
Maximum withdrawalsThe most withdrawals you can make before it affects your interest rate Unlimited
Hargreaves Lansdown's cash ISA (easy access) offers a 4.00% interest rate to both new and existing customers.
There are no yearly limits to withdrawals, and you must maintain a minimum balance of £1. Interest is paid monthly.
This is the joint-14th ranked cash ISA on Financial Interest. They rank joint-2nd by interest rate for existing customers (with new customer promotional rates excluded).
HL's Easy Access Cash ISAs are offered from a range of providers with differing rates and terms.
Fi Fee (£10k balance)(£100k balance)(£500k balance)Our unique calculation for comparable fees across brokers for each account type, based on a 10k100k500k portfolio. Your fees may vary. £25
Annual fees 0.25%
Trading fees
£6.95 Most investments
£1.95 Funds
ISA transfersDoes this platform allow you to transfer an existing Lifetime ISA in from elsewhere? No
Notes With HL's Lifetime ISA, the account fee is 0.25%, capped at £45 per year for shares, ETFs, and some other investments. For funds, there's a £1.95 commission and the platform fee is 0.25% for balances up to £1 million, and then 0.1% on anything between £1m and £2m, and nothing for over £2m (so £3,500 max.). Commissions for most investments are £6.95 per trade, you can avoid this for some investments by setting up a regular monthly investment. The FX fee is 0.99%.
Within Hargreaves Lansdown's lifetime stocks and shares ISA, you can choose your own investments, choose from ready-made portfolios, or choose a professionally managed account in shares, ETFs, mutual funds, commodities, bonds, and money market funds (MMFs).
Hargreaves Lansdown's lifetime stocks and shares ISA does not provide access to fractional shares.
In-specie transfers aren't supported, meaning you can't transfer portfolios without converting to cash first.
Hargreaves Lansdown ranks joint-2nd by Fi Fee for small investors (balances of £10,000), and holds the same ranking for larger portfolios (balances of £100,000) too.
To contribute to this lifetime ISA, you need £100 as a one-off investment or £25 for ongoing monthly investments.With HL's Lifetime ISA, the account fee is 0.25%, capped at £45 per year for shares, ETFs, and some other investments. For funds, there's a £1.95 commission and the platform fee is 0.25% for balances up to £1 million, and then 0.1% on anything between £1m and £2m, and nothing for over £2m (so £3,500 max.). Commissions for most investments are £6.95 per trade, you can avoid this for some investments by setting up a regular monthly investment. The FX fee is 0.99%.
Fi Score rankingWhere does this account rank compared to other Junior SIPPs on Financial Interest? 4
Fi Fee (£10k balance)(£100k balance)(£500k balance)Our unique calculation for comparable fees across brokers for each account type, based on a 10k100k500k portfolio. Your fees may vary. £35
Junior SIPP fee notes Hargreaves Lansdown charges a 0.35% platform fee for its Junior SIPP with a £150 yearly cap for ETFs and shares. If holding funds the 0.35% platform fee drops after £250k. It costs £1.95 to buy or sell funds and it charges a £5.95 commission to buy or sell ETFs and other assets, but there's no commission if you use the regular monthly direct debit investment from £25/month.
ETF trading feeThe amount you'll pay to invest in an ETF in this Junior SIPP. £3.95
Fund trading feeThe amount you'll pay to invest in a mutual fund in this Junior SIPP. £1.95
Share trading feeThe amount you'll pay to invest in company shares within this Junior SIPP. £3.95
Junior SIPP account feesThe account fees you'll pay when investing inside a Junior SIPP. 0.35%
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Hargreaves Lansdown