Tax year end deadlines
If you're looking to make the most of your annual allowances, here's the key information on your deadlines at tax year end.
The value of your investments and the income from them may go down as well as up, and you could get back less than you invested.
Annual allowances
Most tax allowances and reliefs run from April to April each year and, apart from pensions, often can’t be carried over so if you don’t use them you lose them. Below we have listed some of the key allowances to be aware of.
Read more: ISA allowances | Pension reliefs and allowances
| Allowance | 2025/26 tax year |
| ISA annual allowance | £20,000 |
| Junior ISA annual allowance | £9,000 |
| Pension annual allowance | up to £60,000 (or 100% of earnings, whichever is lower) |
| Junior SIPP annual allowance |
£3,600* * You can contribute up to £2,880 each tax year. The Government automatically adds 20% to every contribution boosting the annual contribution to £3,600 |
ISA/Junior ISA account opening deadlines
Please allow plenty of time for your application and payment to be completed.
| Account type | Deadline | Further information |
| Stocks & Shares ISA applications (online) |
Sunday 5 April, 11.59pm |
|
| Junior Stocks & Shares ISA applications (online) |
Sunday 5 April, 11.59pm |
Open a Junior ISA (new clients) Open a Junior ISA (existing clients)
|
ISA/Junior ISA contribution deadlines
Log in online to add cash to your ISA(s), make a bank transfer or transfer cash from a Bestinvest Investment account (if you have one).
| Method | Deadline | Further information |
| Debit card payments |
Sunday 5 April, 11.59pm |
|
| Bank transfers |
Sunday 5 April, 11.59pm* |
ISA and Junior ISA bank transfer details *Money needs to land in our custodian's bank account (SEI) by this date for it to be counted in the current tax year. |
Other ISA/Junior ISA contribution deadlines
|
Deadline |
Further information |
|
| Bed & ISA |
Friday 27 March, 5pm |
You will need to sell any investments you wish to move from your Investment Account to your ISA by this date. |
SIPP account opening deadlines
Please allow plenty of time for your application and payment to be completed.
| Deadline | Further information | |
| SIPP application (online) |
Sunday 5 April, 11.59pm |
|
| SIPP application (paper) |
Tuesday 31 March, 5pm |
|
| Junior SIPP application (paper) |
Tuesday 24 March, 5pm |
SIPP contribution deadlines
If you are paying by bank transfer, we need both the funds and a completed SIPP contribution form by this time.
| Method | Deadline | Further information |
|
Debit card payments Personal contribution (online) |
Sunday 5 April, 11.59pm |
|
|
Bank transfers Personal and employer contributions |
Thursday 2 April, 5pm |
Cash needs to clear into bank account by 2 April. Additional Contribution form needs to be received by 15 April. |
| Cheque |
Monday 16 March, 5pm |
Cheque and Additional Contribution form needs to be received by 16 March. Cheque has to clear by 5pm on 2 April. |
SIPP withdrawal or taking benefits deadlines
We need to receive completed forms by the dates quoted below. If we need to contact you about the forms, this could mean you miss taking benefits in the current tax year.
| Method | Deadline | Further information |
|
New benefit request for Pension Commencement Lump Sum (PCLS) & Income |
Friday 13 March, 5pm |
Full correctly completed form needs to be submitted by 13 March. Cash to be made available for any income payment by 17 March. |
|
Income payment only |
Monday 16 March, 5pm |
Instruction needs to be with us by 16 March and cash needs to be available no later than 17 March.
|
Opening hours
| Opening hours | |
| Monday 30 March 2026 |
8am - 6pm |
| Tuesday 31 March 2026 |
8am - 6pm |
| Wednesday 1 April 2026 |
8am - 6pm |
| Thursday 2 April 2026 |
8am - 6pm |
| Friday 3 April 2026 |
Closed |
| Saturday 4 April 2026 |
Closed |
| Sunday 5 April 2026 |
Closed |
| Monday 6 April 2026 |
Closed |
| Tuesday 7 April 2026 |
8am - 6pm |
Explore our range of accounts
From ISAs to pensions, we've got different types of accounts available but the right one for you will depend on your goals.
Don't see the account you're after? See all of our accounts
Stocks & Shares ISA
Invest up to £20,000 each tax year and keep your gains tax free. Choose from a wide range of investments and make withdrawals flexibly. Tax treatment may change.
Self-invested Personal Pension (SIPP)
A pension that gives you more control and choice over your investments.
Investment account
Already used your ISA or pension allowances? This account lets you invest without any annual limits.
Junior Stocks & Shares ISA
Get your children started with tax-free investments of up to £9,000 each tax year. Tax treatment may change.
Junior Self-invested Personal Pension (SIPP)
Give your child a financial boost in retirement and kick off their pension.