Top up and apply for and ISA and SIPP Accounts online at any time.
We’re also extending our opening hours for calls in the run up to tax year end. If you prefer to work with paper, below are the key items you need including our Platform Guide which explains what we’ll need from you when you are giving us different type of instruction. Remember, you’ll pay more for buying investments over the phone or by post than online. See our Charges Guide for the details.
|Tax year end opening hours|
|Saturday 1 April 2017||9:30am - 12:30pm|
|Sunday 2 April 2017||Closed|
|Monday 3 April 2017||8:00am - 5:00pm|
|Tuesday 4 April 2017||8:00am - 8:00pm|
|Wednesday 5 April 2017||8:00am - 8:00pm|
|Action||Make sure we have your instruction by|
|If you want to transfer an individual equity investment into your ISA using our Share Exchange Service||29 March 2017|
|If you want to move cash from your IDA to your ISA||12:00pm on 4 April 2017|
|If you want to sell investments from your IDA and buy them again in your ISA||31 March 2017 for Equities
28 March 2017 for Funds
|Top up any account by cheque||We need to have received your cheque by 12pm
on 4 April 2017
|To top up any account by bank transfer||We need to have received your cleared funds in our bank account by 6pm on 4 April 2017|
|Debit Card Payments||5 April 2017 – 5pm by telephone or 12am online|
You have until 5 April to take advantage of your ISA allowance for the 2016/17 tax year.
You can pay up to £15,240 this tax year and next year's allowance is set to rise to £20,000.
The longer your money is invested the longer it has to benefit from any investment growth (although remember investments can go down as well as up). It makes sense to start putting money in as early as you can.
Top up now
People taking money from their pensions while still saving into them, or who already have a large total pension pot, should act now to make the most of current tax benefits.
Changes due to take effect from 6 April mean that people using the ‘freedoms’ introduced in 2015 to take money from a pension will face new restrictions on the tax advantages of continuing to invest in pensions.
Those who had built up pots worth more than £1.25 million by 5 April 2014 are also running out of time to fix their lifetime allowance for pension savings at up to £1.5 million. A far higher level than the £1 million that currently applies.
Alliance Trust Savings Limited is a subsidiary of Alliance Trust PLC and is registered in Scotland No. SC 98767, registered office, PO Box 164, 8 West Marketgait, Dundee DD1 9YP; is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, firm reference number 116115. Alliance Trust Savings gives no financial or investment advice.