What are the deadlines for using my ISA or SIPP allowance for 2018/19 tax year?

The last day of the 2018/19 tax year is Friday 5 April. So, if you're planning to make the most of this year’s annual allowances by opening or paying into an Investment ISA or Self Invested Personal Pension (SIPP) you'll need to act soon.

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 Friday 5 April

Paying into an Investment ISA online

Deadline

Using a debit card

23:45 on Friday 5 April

By paying in from your nominated Barclays bank account

23:45 on Friday 5 April

By paying in cash from an Investment Account

23:45 on Friday 5 April

Bed & ISA from an Investment Account

15:30 on Friday 5 April

 

09:00 on Thursday 4 April (for funds)

Paying into an Investment ISA by telephone

Deadline

Using a debit card

21:00 on Friday 5 April

By paying in from your nominated Barclays bank account

21:00 on Friday 5 April

By paying in cash from an Investment Account

21:00 on Friday 5 April

Bed & ISA from an Investment Account

15:30 on Friday 5 April

 

09:00 on Thursday 4 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 Friday 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 Friday 22 March

Self Invested Personal Pension (SIPP) deadlines

Contributing to SIPP

Deadline

Using a debit card online

23:45 on Friday 5 April

Making a bank payment online


Must be accompanied with a completed additional contribution form.

17:00 on Friday 5 April

Pay in by cheque


Must be accompanied with a completed additional contribution form.

Cheque received by Friday 5 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 by Monday 18 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 by Monday 25 March

Take an Uncrystallised Funds Pension Lump Sum (UFPLS)

 

Must be accompanied with a SIPP Benefit form.

Requested by BACS by Monday 25 March

Take a taxable income payment

 

Request from your registered email address.

If crystallisation of funds is required then deadline is by Monday 18 March.

Requested by BACS by Friday 29 March

Requested by CHAPS by Thursday 4 April


£30 charge for CHAPS.

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

Important Information

* To maintain a quality service, we may monitor and record phone calls. Calls to 0800 numbers are free when calling from a UK landline or personal mobile but charges may apply when calling from abroad. Calls to 03 numbers use free plan minutes if available. Otherwise, they cost the same as 01/02 prefix calls. Call charges.