What are the deadlines for using my ISA or SIPP allowance for 2020-21 tax year

The last day of the 2020-21 tax year is Monday 5 April. So make sure you make the most of this year’s annual allowances by opening or paying into an Investment ISA or Self Invested Personal Pension (SIPP) before that date.

Below you'll find our tax year end opening and payment deadlines for ISA and SIPP accounts. We recommend that you don't leave it to the last minute, just in case we need you to provide us with any additional information.

Investment ISA deadlines

Opening an Investment ISA 

Deadline

Online

23:30 on Monday 5 April

Paying into an Investment ISA online

Deadline

Using a debit card

23:45 on Monday 5 April

By paying in from your nominated Barclays bank account

23:45 on Monday 5 April

By paying in cash from an Investment Account

23:45 on Monday 5 April

Bed & ISA from an Investment Account

15:30 on Friday 2 April

09:00 on Thursday 1 April (for funds)

Paying into an Investment ISA by telephone

Deadline

Using a debit card

15:00 on Monday 5 April

By paying in from your nominated Barclays bank account

15:00 on Monday 5 April

By paying in cash from an Investment Account

15:00 on Monday 5 April

Bed & ISA from an Investment Account

15:30 on Friday 2 April

09:00 on Thursday 1 April (for funds)

Other ways to pay into your ISA

Deadline

Share certificates

 

Step 1 - Lodge share certificates into an Investment Account – up to 15 working days prior to TYE

 

Step 2 - Set up Bed & ISA online or telephone after lodgement is completed

  1. Create expectation online and certificate received on/or before 15 March with signed documents from Cloudit (My Barclays Documents)
  2. Instruct Bed & ISA as per options and cut off times

Save As You Earn

 

Available for all customers who have shares held with Global Stock and Rewards (not available for certificated SAYE)

Received by 22 March

Self Invested Personal Pension (SIPP) deadlines

Contributing to SIPP

Deadline

Open a new SIPP

Fully opened on Thursday 1 April

Using a debit card online

23:45 on Saturday 3 April

Making a bank payment online

Must be accompanied with a completed additional contribution form.

17:00 on Saturday 3 April

Pay in by cheque


Must be accompanied with a completed additional contribution form.

Cheque received by Friday 2 April

Withdrawing from a SIPP (AJ Bell)

Deadline

Crystallise a new drawdown tranche and take a tax-free payment

Must be accompanied with a SIPP Benefit form.

Requested by BACS on Monday 15 March

Convert your SIPP from Capped to Flexi-access drawdown and take a SIPP payment

 

Must be accompanied with a capped drawdown to Flexi-access drawdown conversion form.

Requested by BACS on Monday 22 March (Form must be requested from AJ Bell and completed prior to this deadline)

Take an Uncrystallised Funds Pension Lump Sum (UFPLS)

 

Must be accompanied with a SIPP Benefit form.

Requested by BACS on Monday 22 March (Form must be requested from AJ Bell and completed prior to this deadline)

Take a taxable income payment

Request from your registered email address.

 

If crystallisation of funds is required then deadline is by Monday 16 March.

Requested by 14:00 Wednesday 31 March

If there's anything you'd like help with, just contact the Smart Investor customer service team on 0800 279 3667 1 who'll be happy to help you.