{"id":81759,"date":"2018-01-03T16:03:59","date_gmt":"2018-01-03T16:03:59","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=81759"},"modified":"2026-03-26T13:17:09","modified_gmt":"2026-03-26T13:17:09","slug":"hargreaves-lansdown-share-dealing","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-reviews\/hargreaves-lansdown-share-dealing","title":{"rendered":"Hargreaves Lansdown (HL) review 2026"},"content":{"rendered":"<style>\n#user-review-promo { display: none; position: fixed; height: 100vh; width: 100vw; background: rgba(255, 255, 255, 1); top: 0; left: 0; z-index: 79; }\n#user-review-promo-content { position: absolute; top: 50%; transform: translate(-50%, -50%); padding: 10px; max-width: 40em; text-align: center; left: 50%; width: 100%; }\n#user-review-promo-element { font-size: 1.2em; }\n#user-review-promo-rating-stars { display: flex; flex-direction: row-reverse; justify-content: center; font-size: 2em; color: #9e9e9e; }\n#user-review-promo-rating-stars span { font-size: 2.3rem; 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min-height: 100px;\"><\/textarea>\n<\/div>\n<div id=\"user-review-promo-user\">\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Your Name<\/label><input id=\"user-review-promo-name\" class=\"luna-input\" type=\"text\" placeholder=\"Your Name (Required)\" required=\"\" style=\"width: 100%\"><\/div><\/div>\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Email<\/label><input id=\"user-review-promo-email\" class=\"luna-input\" type=\"text\" placeholder=\"Your Email (Required)\" required=\"\" style=\"width: 100%;\"><div id=\"user-promo-email-field-error\" style=\"font-size: .8em; margin-top: .5em; margin-bottom: 0\"><\/div><\/div><\/div>\n<div id=\"optin\" class=\"luna-form__group text-left\"><div class=\"luna-form__field\"><div class=\"luna-form__selectionGroup\"><div class=\"luna-form__selection\"><input class=\"luna-checkbox\" type=\"checkbox\" id=\"check-1c\" name=\"checkGroup\" aria-describedby=\"check-error-1c\"><label class=\"luna-label\" for=\"check-1c\">\n<div style=\"font-size: 18px;\">Sign up for expert money tips + the chance to win \u00a3100!<\/div>\n<div style=\"font-size: 14px;\">By signing up you agree to receive emails from Finder and to the <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">privacy policy<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\">terms &amp; conditions<\/a>.<\/div><\/label><\/div><\/div><\/div><\/div>\n<\/div>\n<button id=\"user-review-promo-btn\" class=\"luna-button luna-button--success luna-button--fluid\" type=\"submit\">Next<\/button>\n\n<div id=\"user-review-promo-members\">\n\n          \n<p id=\"user-review-partner-return\" style=\"font-size: .9em; display: none\">\n<\/p><div class=\"has-margin-bottom-small\">Thanks for your review.<\/div>\n<a href=\"https:\/\/www.hl.co.uk\/\" class=\"luna-button luna-button--primary\">Return to Hargreaves Lansdown<\/a>\n\n                \n<\/div>\n<\/div>\n\n<p>Read Terms and Conditions <a href=\"\/uk\/terms-of-use\">here<\/a><\/p>\n\n<\/div>\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<script>\n\n\n\n\nfunction isEmail(email) {\nvar regex = \/^(([^<>()\\[\\]\\\\.,;:\\s@\"]+(\\.[^<>()\\[\\]\\\\.,;:\\s@\"]+)*)|(\".+\"))@((\\[[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}])|(([a-zA-Z\\-0-9]+\\.)+[a-zA-Z]{2,}))$\/;\nreturn regex.test(email);\n}\n\n\n\n\nlet params = new URLSearchParams(window.location.search);\nlet reviewCheck = params.get('review');\nlet optinCheck = params.get('optin');\nlet sessionData = sessionStorage.getItem( window.location.href.split('?')[0] );\nif (reviewCheck == 1) {\ndocument.getElementById(\"user-review-promo\").style.display = \"block\";\ndocument.body.style.overflow = \"hidden\";\n}\nif (optinCheck == 0) {\ndocument.getElementById(\"optin\").style.display = \"none\";\n}\n\n\n\n\nwindow.addEventListener('load', function () {\nconst user_review_step = params.get('step');\n\n\n\n\ndocument.addEventListener(\"DOMContentLoaded\", function(event) {\nvar currentCookie = {};\ndocument.cookie.replace(\/([^=;]+)=([^;]*)\/gi, function(m,key,value) {currentCookie[key.replace(\/(^s+|s+$)\/g,'')] = value.replace(\/(^s+|s+$)\/g,'');});\n});\n\n\n\n\nlet user_review_rating = 5;\nlet user_review_name = '';\nlet user_review_description = '';\nlet user_review_email = '';\nlet user_review_screen = 0;\nif (reviewCheck == 1 || sessionData == 1) {\n\nconsole.log(\"Showing user review\");\n$(\"#user-review-promo\").css(\"display\", \"block\");\n$(\"body\").css(\"overflow\", \"hidden\");\n$(\"#review-loader\").css(\"display\", \"none\");\n$(\"#user-review-promo-core\").css(\"display\", \"block\");\nconst user_review_url = '\/wp-json\/finder\/v1\/user-reviews\/reviews';\nconst user_review_data_json = (document.getElementById(\"user-ratings\").dataset.summary);\nconst user_review_data = JSON.parse(user_review_data_json);\n\n\n\n\n$(\"#user-review-promo-rating-copy\").html(\"How would you rate \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \"?\");\n$(\"#user-review-promo-copy\").html(\"Used \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \"? 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}\nwindow.ga('send', 'event', 'ukfin email signup floater', 'signed up', null, undefined, { nonInteraction: false });\n}\n\n\n<\/script><h2 id=\"section_heading_48a6ad1e1a\" class=\"section-heading\">\n            How we rated Hargreaves Lansdown's investment features\n    <\/h2>\n<table id=\"best\" class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Feature<\/th><th scope=\"col\">Rating<\/th><th scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Fees<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--standard\">\n<span class=\"score__value\">6.6<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--standard\">\nStandard\n<\/span>\n<\/span>\n\n<\/td><td>HL\u2019s fees are a major pain point and the investing commissions are much higher than most platforms.<\/td><\/tr><tr><th scope=\"row\">Investment choice<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">9.1<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>It offers a wide range of assets with access to plenty of markets.<\/td><\/tr><tr><th scope=\"row\">Safety and security<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">10<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>Hargreaves Lansdown has plenty of safety features in place to protect investors.<\/td><\/tr><tr><th scope=\"row\">Account types and products<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">10<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>You can invest with lots of options, using all the major tax-efficient accounts.<\/td><\/tr><tr><th scope=\"row\">Ease of use<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">10<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>HL has a flawless user experience score, ticking every box with lots of positive reviews.<\/td><\/tr><tr><th scope=\"row\">Tools, resources and features<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.3<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><td>Hargreaves Lansdown offers plenty of tools and resources, apart from social features.<\/td><\/tr><\/tbody><\/table><h3>Who might Hagreaves Lansdown suit?<\/h3><p>This platform is going to be best-suited for those who want a complete investing solution with loads of investment options, account types and a proper award-winning customer service team. It may not be great for those on a budget or investing smaller amounts because of the high commissions (but there are strategies to avoide these like setting up a regular monthly investment). <\/p><p>If that\u2019s not you, why not <a href=\"https:\/\/www.finder.com\/uk\/share-trading\">compare share trading platforms<\/a> to find the right fit to match your style.<\/p><div class=\"eeQuote box u-rounded--lg source-finder type-experience\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 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src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/GeorgeSweeneyF1_Finder_600x600.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/GeorgeSweeneyF1_Finder_600x600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/GeorgeSweeneyF1_Finder_600x600.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/GeorgeSweeneyF1_Finder_600x600.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\">\n                <\/figure>\n\n                                    <div class=\"eeQuote__finderLozenge\">\n  <div class=\"eeQuote__finderLozenge--desktop\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"14\" viewbox=\"0 0 1320.32 251.3\" fill=\"none\" role=\"img\" aria-label=\"Finder\">\n      <path d=\"M461.05 18.35h113.51c5.18 0 9.12 4.66 8.25 9.77l-5.53 32.68a8.37 8.37 0 0 1-8.25 6.98H505.5c-4.03 0-7.49 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47.15.53 65.94-15.41 26.3-42.91 23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#212121\"><\/path>\n      <\/g>\n    <\/svg>\n  <\/div>\n<\/div>\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Hands-on test: I tried out Hargreaves Lansdown's investing platform<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"I\u2019m a fan of what Hargreaves Lansdown (HL) has to offer, it\u2019s a premium service at a (mostly) affordable price. And it\u2019s straightforward enough to navigate and use the app or desktop platform. It\u2019s excellent value for funds and using tax-efficient accounts like ISAs, but it needs to do something about it\u2019s monstrous share dealing commissions if it wants to entice the new wave of UK retail investors.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                                                <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/georgesweeney\" itemprop=\"url\" target=\"_blank\">\n                        George Sweeney, DipFA\n                                            <\/a>\n                                                    <div class=\"eeQuote__authorTitle\">Deputy editor<\/div>\n                                    <\/div>\n    <\/div>\n<\/div>\n<div class=\"fin-video fin-video--horizontal\" data-player-type=\"youtube\" data-video-id=\"G3bJUGrm-xA\" style=\"\">\n    <div class=\"fin-video__container\">\n                    <img decoding=\"async\" class=\"fin-video__thumbnail\" src=\"https:\/\/img.youtube.com\/vi\/G3bJUGrm-xA\/maxresdefault.jpg\" data-fallback-sd=\"https:\/\/img.youtube.com\/vi\/G3bJUGrm-xA\/sddefault.jpg\" data-fallback-hq=\"https:\/\/img.youtube.com\/vi\/G3bJUGrm-xA\/hqdefault.jpg\" alt=\"\" loading=\"lazy\">\n                            <div class=\"fin-video__duration\">1:02<\/div>\n                        <div class=\"fin-video__play-btn\" role=\"button\" aria-label=\"Play video\"><\/div>\n                <iframe allow=\"autoplay\" class=\"fin-video__player\" id=\"ytPlayer-G3bJUGrm-xA\" title=\"Video player\"><\/iframe>\n    <\/div>\n        <\/div>\n<h2 id=\"section_heading_eb413dcef1\" class=\"section-heading\">\n            Hargreaves Lansdown fees\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Fees score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--standard\">\n<span class=\"score__value\">6.6<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--standard\">\nStandard\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Platform fee<\/th><td><b>Shares and other investments<\/b><ul class=\"has-margin-top-small\"><li>0.35%(fund and share account, \u00a3150\/year maximum)<\/li><li>\u00a30 (junior ISA)<\/li><li>0.35% (stock and shares ISA, \u00a3150\/year maximum)<\/li><li>0.35% (SIPP\/Junior SIPP, \u00a3150\/year maximum)<\/li><\/ul><p><b>Funds (fund and share account\/stocks and shares ISA\/SIPP\/junior SIPP)<\/b><\/p><ul><li>0.35% (\u00a30 to \u00a3250,000)<\/li><li>0.25% (\u00a3250,000 to \u00a31 million)<\/li><li>0.1% (\u00a31 million to \u00a32 million)<\/li><li>\u00a30 (over \u00a32 million)<\/li><\/ul><p><b>Funds (lifetime ISA)<\/b> <\/p><ul><li>0.25% (\u00a30 to \u00a31 million)<\/li><li>0.1% (\u00a31 million to \u00a32 million)<\/li><li>\u00a30 (over \u00a32 million)<\/li><\/ul><p><b>Funds (junior ISA)<\/b><\/p><ul><li>\u00a30<\/li><\/ul><\/td><\/tr><tr><th scope=\"row\">UK shares<\/th><td>\u00a36.95<\/td><\/tr><tr><th scope=\"row\">US stocks<\/th><td>\u00a36.95<\/td><\/tr><tr><th scope=\"row\">International shares<\/th><td>\u00a36.95<\/td><\/tr><tr><th scope=\"row\">Funds\/ETFs<\/th><td>\u00a31.95 funds<br>\u00a36.95 ETFs<\/td><\/tr><tr><th scope=\"row\">Foreign exchange (FX) fee<\/th><td>0.99% first \u00a310,000<br>0.5% next \u00a315,000<br>0.2% over \u00a325,000<\/td><\/tr><tr><th scope=\"row\">Regular investing<\/th><td>Yes from \u00a325\/month (no commissions for regular monthly investment)<br>\u00a33.95 (20 or more trades in previous month)<\/td><\/tr><tr><th scope=\"row\">Withdrawal\/deposit fee<\/th><td>\u00a30<\/td><\/tr><tr><th scope=\"row\">Inactivity fee<\/th><td>\u00a30<\/td><\/tr><\/tbody><\/table><p>It\u2019s tricky to judge and score HL\u2019s platform fees because they\u2019re all over the shop. The platform fee you\u2019ll pay depends on both the type of account you\u2019re using to invest and also the investments you\u2019re buying and holding. We\u2019ve tried to explain these as clearly as possible, but HL doesn\u2019t make it easy for us. <\/p><p>And it\u2019s a shame because HL does actually provide decent value for some types of investors with competitive platform fees. But it\u2019s hard to get to the bottom of them because it\u2019s a tangled web to say the least. The fee structure may work out well for you depending on how you invest (particularly if you have a high-value fund portfolio), but it\u2019s definitely not a cheap all-rounder. <\/p><h2 id=\"section_heading_67cac194e8\" class=\"section-heading\">\n            Hargreaves Lansdown investment choice and stocks\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Investment choice score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">9.1<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Asset options<\/th><td>6+<\/td><\/tr><tr><th scope=\"row\">Markets<\/th><td>4+<\/td><\/tr><tr><th scope=\"row\">Number of investments<\/th><td>11,000+<\/td><\/tr><tr><th scope=\"row\">Number of ETFs\/funds<\/th><td>1,500+<\/td><\/tr><tr><th scope=\"row\">Fractional shares<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Minimum deposit<\/th><td>\u00a31<\/td><\/tr><tr><th scope=\"row\">Minimum investment<\/th><td>\u00a31 (at least one share)<\/td><\/tr><\/tbody><\/table><p>Hargreaves Lansdown has a large selection and variety of investments available, covering a decent range of assets. The fund selection is probably HL\u2019s greatest strength, with around 2,500 to choose from. <\/p><p>The lack of <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/fractional-shares\">fractional shares<\/a> is a pain, but to be honest, paying such high commissions \u2013 you\u2019d probably not want fractions of a share (otherwise you could pay more in commission than what your fractional share is worth). <\/p><h3>What can you invest in with Hargreaves Lansdown?<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Funds<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Popular with many investors, funds offer exposure to a professionally managed <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/stock-portfolio\">portfolio<\/a>. From as little as \u00a3100, start investing today.<\/p><ul class=\"list-1\"><li>Choose from over 2,500 unit trusts and OEICs from leading fund managers, including Invesco Perpetual, Artemis and Jupiter<\/li><li>Market beating savings and discounts<\/li><li>No charge for buying and selling funds<\/li><li>Free analysis and updates from the Hargreaves Lansdown research team<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Shares<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Hargreaves Lansdown\u2019s Shares services are low cost and comprehensive. UK, US, Canada and European shares are all covered.<\/p><ul class=\"list-1\"><li>Free limit orders and stop losses<\/li><li>Tips and reports emailed for free<\/li><li>No charge for buying and selling funds<\/li><li>No inactivity charge or annual management cost<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Investment trusts<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Investment trusts are similar to funds as they offer exposure to a professionally managed portfolio.<\/p><ul class=\"list-1\"><li>Choose from over 400 investment trusts and Real Estate Investment Trusts (REITs)<\/li><li>Free limit orders and stop losses<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Exchange Traded Funds (ETFs)<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>With an <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/exchange-traded-funds-etfs\">ETF<\/a>, you can track a range of stock market indices and <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/investing-in-commodities\">commodities<\/a> effectively and cheaply. ETFs are traded like shares as they are listed investments.<\/p><ul class=\"list-1\"><li>Free limit orders and stop losses<\/li><li>Choose from over 1,300 exchange traded products<\/li><li>No annual management cost<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Gilts &amp; Corporate Bonds<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Hargreaves Lansdown also offers a bond dealing service, giving you access to a wide range of gilts and corporate bonds.<\/p><ul class=\"list-1\"><li>Choose from over 700 gilts and corporate bonds<\/li><li>No annual management cost<\/li><li>View data for hundreds of bonds, gilts and PIBS<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Cash<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>It is possible to open your account with cash and pick your investments later.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><h2 id=\"section_heading_c2e88e3c30\" class=\"section-heading\">\n            Is Hargreaves Lansdown safe?\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Safety and security score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">10<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Biometric login\/2FA<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">FCA regulated<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">FSCS protection<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">SSL certificate<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Public company<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><\/tbody><\/table><p>Hargreaves Lansdown is a sturdy and safe place for investors, scoring full marks in our safety and security assessment. As you\u2019d expect, it\u2019s regulated by the Financial Conduct Authority (FCA). <\/p><p>When it comes to security, Hargreaves Lansdown has an excellent reputation and is trusted by over 2 million customers. It\u2019s considered to be a safe and secure <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/how-to-invest-in-the-ftse-100\">FTSE 100<\/a> company that has a track record managing investments for over 40 years.<\/p><p>Your deposits are covered by the <a href=\"https:\/\/www.finder.com\/uk\/banking\/what-is-the-fscs\">Financial Services Compensation Scheme (FSCS)<\/a>, which means that you\u2019ll be able to claim up to \u00a3120,000 if Hargreaves Lansdown were to go bust.<\/p><h2 id=\"section_heading_53b4d7ab7b\" class=\"section-heading\">\n            Hargreaves Lansdown account types and products\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Account types and products score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">10<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">General investment account (GIA)<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Stock and shares ISA<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Self-invested personal pension (SIPP)<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Lifetime ISA (LISA)<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Junior ISA (JISA)\/Junior SIPP (JSIPP)<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Business Account<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Interest on cash balances<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><\/tbody><\/table><p>Hargreaves Lansdown is up there with the best of them when it comes to the account types and products available. HL does have the potential to be your one-stop shop for savings and investments. It even offers investing and pensions accounts for your kids \u2013 to be managed by you of course. <\/p><p>The range of accounts on offer include:<\/p><ul><li>General investment account (HL calls this a fund and share account)<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/stocks-and-shares-isas\">Stocks and shares ISA<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/best-lifetime-isa\">Lifetime ISA (LISA)<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/share-trading\/junior-stocks-and-shares-isas\">Junior ISA (JISA)<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/pensions\/self-invested-personal-pensions\">Self-invested personal pension (SIPP)<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/pensions\/junior-sipps\">Junior SIPP (JSIPP)<\/a><\/li><li>Active cash savings account<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/cash-isas\">Cash ISA<\/a><\/li><li>Workplace accounts<\/li><\/ul><h2 id=\"section_heading_2e78c6be80\" class=\"section-heading\">\n            Hargreaves Lansdown ease of use\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Ease of use score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">10<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Apple iOS rating<\/th><td>4.7\/5<\/td><\/tr><tr><th scope=\"row\">Google Play rating<\/th><td>3.2\/5<\/td><\/tr><tr><th scope=\"row\">Ways to contact customer service<\/th><td>Phone, email and online chat<\/td><\/tr><tr><th scope=\"row\">UI\/UX<\/th><td>Good<\/td><\/tr><tr><th scope=\"row\">Desktop or mobile app<\/th><td>Both<\/td><\/tr><\/tbody><\/table><p>Hargreaves Lansdown received top marks in our ease of use assessment. We think it\u2019s great that there are so many ways to contact its dedicated customer support team (and this is part of the reason for the high fees elsewhere). <\/p><p>Most reviewers seem to enjoy the HL app on Apple and Android devices. On the App Store it has an impressive 4.7 out of 5 from over 50,000 reviews and on Google Play, it has a marginally lower 3.2 from over 12,000 votes (as of March 2026).<\/p><h2 id=\"section_heading_b4be14eef1\" class=\"section-heading\">\n            Hargreaves Lansdown tools, resources and features\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Tools, resources and features<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.3<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Analysis features<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Tools for investing\/trading<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Social features<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Learning resources<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Additional Features<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><\/tbody><\/table><p>Hargreaves Lansdown has lots of tools and resources packed into its comprehensive platform. The only area where it\u2019s lacking is the social investing aspect, with no community forum or way for investors to connect and share ideas.<\/p><p>With Hargreaves Lansdown, there\u2019s plenty of features and as you\u2019d expect, with such an emphasis on funds across the platform, there\u2019s also loads of fund-related information and research for you to get stuck into. <\/p>\n        \n            <h3>What do customers say about Hargreaves Lansdown?<\/h3>\n        <p>83% of customers we <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/best-trading-apps#customer-satisfaction\">surveyed<\/a> in 2026 would recommend Hargreaves Lansdown to a friend.<\/p>\n        <p>It's widely considered a \"best-in-class\" provider, renowned for its excellent staff, comprehensive documentation, and vast investment options. The platform and app are highly praised for being easy to use and providing impartial, informative research.<\/p>\n<p>However, the brand faces notable criticism regarding its cost; many users are disappointed by recent pricing structure changes and consistently note that HL's fees are significantly higher than its competitors.<\/p>\n        <p><svg width=\"18\" height=\"18\" viewbox=\"0 0 14 14\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"fill-rule:evenodd;clip-rule:evenodd;stroke-linejoin:round;stroke-miterlimit:2;\">\n<path d=\"M1.635,4.234L3.868,3.151C3.955,3.109 4.025,3.037 4.065,2.948L5.203,0.444C5.35,0.121 5.807,0.117 5.96,0.437L7.119,2.86C7.159,2.946 7.229,3.015 7.314,3.056L9.743,4.224C10.065,4.379 10.056,4.84 9.729,4.983L7.399,5.998C7.307,6.038 7.232,6.111 7.189,6.202L6.066,8.582C5.918,8.895 5.474,8.903 5.317,8.594L4.106,6.226C4.063,6.142 3.994,6.076 3.909,6.037L1.642,4.988C1.323,4.841 1.318,4.388 1.635,4.234Z\" style=\"fill:rgb(29,83,255);fill-rule:nonzero;\"><\/path><path d=\"M8.386,11.548L9.502,11.006C9.546,10.984 9.581,10.949 9.601,10.904L10.17,9.652C10.243,9.491 10.472,9.489 10.548,9.649L11.128,10.86C11.148,10.903 11.183,10.938 11.225,10.959L12.44,11.543C12.601,11.62 12.597,11.851 12.433,11.922L11.268,12.43C11.222,12.45 11.185,12.486 11.163,12.532L10.601,13.722C10.527,13.879 10.306,13.882 10.227,13.728L9.622,12.544C9.6,12.502 9.566,12.469 9.523,12.449L8.39,11.925C8.23,11.851 8.228,11.625 8.386,11.548Z\" style=\"fill:rgb(29,83,255);fill-rule:nonzero;\"><\/path>\n<\/svg><small><em> AI-generated summary from the text of customer reviews on Finder.<\/em><\/small><\/p>\n                                        \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                                                                                                                                                                                                                                            \n            <h3 id=\"awardspanel\">Hargreaves Lansdown and Finder Awards<\/h3>\n        <div class=\"u-grid u-grid--alignTop has-margin-top has-margin-bottom\">\n            <div class=\"u-grid__col u-1\/4@s u-1\/5@l\" style=\"max-width: 200px;\">\n                <img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png\" alt=\"Finder Awards logo\" style=\"max-width: 100%; height: auto; display: block;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n            <\/div>\n            <div class=\"u-grid__col u-3\/4@s u-4\/5@l\">\n                                    <p>Our <a href=\"https:\/\/www.finder.com\/uk\/finderawards\">Finder Awards<\/a> celebrate brands that truly stand out in their field. Hargreaves Lansdown is one of these brands and has won multiple awards!<\/p>\n                    <ul>\n                                                                                                                    <li>2025 Provider of the Year Award (Funds)<\/li>\n                                                                                                <li>2025 Provider of the Year Award (Junior Stocks and Shares ISA)<\/li>\n                                                                                                <li>2024 Customer Satisfaction Award (Investing)<\/li>\n                                                                <\/ul>\n                            <\/div>\n        <\/div>\n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h2 id=\"section_heading_af90cef809\" class=\"section-heading\">\n            Frequently asked questions\n    <\/h2>\n<ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">What is Hargreaves Lansdown?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Hargreaves Lansdown (HL) is the UK\u2019s biggest and most comprehensive wealth manager. For that pedigree, it does charge higher fees than some other platforms. It\u2019s trusted with over \u00a3170 billion worth of investment from over 2 million clients. Although it\u2019s a bit on the pricey side, HL makes up for it with its choice of accounts, investment options, top mobile app and buckets of trading features.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000007\" data-toggle=\"collapse\" data-target=\"#accordion0000000007\">\n        <span class=\"luna-accordion__title\">What is the Hargreaves Lansdown stocks and shares ISA?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000007\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>As with all individual savings accounts (ISAs), you get an annual allowance. This is the amount of money you can invest in the tax year, of which most of your profits are protected from tax. Once you\u2019ve used up your ISA allowance for the year, you can continue investing with a general investment account. <\/p><p>Different types of ISA have different allowances, which we detail below.<\/p><h4>Hargreaves Lansdown stocks and shares ISA<\/h4><p>Your annual allowance for a <a href=\"https:\/\/www.finder.com\/uk\/stocks-and-shares-isas\">stocks and shares ISA<\/a> is \u00a320,000 in the 2026\/2027 tax year.<\/p><p>With Hargreaves Lansdown\u2019s stocks and shares ISA, you can choose to either create a DIY portfolio or use a ready-made portfolio based on your goals and <a href=\"https:\/\/www.finder.com\/uk\/investment-risk\">attitude to risk<\/a>.<\/p><p><strong>Benefits of a DIY portfolio<\/strong><\/p><ul><li>You decide which shares to buy and sell<\/li><li>Hargreaves Lansdown\u2019s research helps you make decisions<\/li><li>Start with \u00a3100 or \u00a325 per month<\/li><\/ul><p><strong>Benefits of ready-made portfolios<\/strong><\/p><ul><li>Have a portfolio based on your risk appetite<\/li><li>Hargreaves Lansdown will buy and sell investments for you<\/li><li>Start with \u00a31,000<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000008\" data-toggle=\"collapse\" data-target=\"#accordion0000000008\">\n        <span class=\"luna-accordion__title\">What is the Hargreaves Lansdown lifetime ISA (LISA)?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000008\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Lifetime ISAs are for investing for your first home or for your retirement. You can choose between a stocks and shares LISA or a cash LISA.<\/p><p>Your annual allowance for a LISA is \u00a34,000 in each tax year. The government will add an additional 25% to your savings. This allowance is included in the  stocks and shares ISA allowance, so if you invest \u00a34,000 in a LISA, you need to minus that from  to find your remaining allowance for the year.<\/p><p>You\u2019re locked into a LISA, which means you can\u2019t withdraw it without losing 25% to the government, so you need to make sure that you\u2019re committed to either buying a house with the savings or saving it for retirement.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000009\" data-toggle=\"collapse\" data-target=\"#accordion0000000009\">\n        <span class=\"luna-accordion__title\">What is the Hargreaves Lansdown junior ISA (JISA)?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000009\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If you want to save up for your child\u2019s future, you can save money in a Junior ISA. The allowance for the  tax year is . This means that you can save up to this much in your child\u2019s junior ISA without paying any tax on the earnings.<\/p><p>The Junior ISA is for children under 18 years old. It\u2019s managed by a legal parent or guardian until the child turns 18 and is then automatically transferred to them.<\/p><p><strong>Benefits of the JISA<\/strong><\/p><ul><li>Invest up to the annual allowance without paying tax on earnings<\/li><li>Friends and family can contribute money to the fund<\/li><li>Start with \u00a3100 or \u00a325 per month<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000010\" data-toggle=\"collapse\" data-target=\"#accordion0000000010\">\n        <span class=\"luna-accordion__title\">What is the Hargreaves Lansdown pension?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000010\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can save for your retirement with Hargreaves Lansdown, and when the time comes, you can cash out on your pension with it too. Here are the products on offer:<\/p><h4>Self-invested personal pension (SIPP)<\/h4><p>Self-invested personal pensions are suitable for people who want to make their own investment decisions \u2013 this means it\u2019s in your hands. <\/p><p>If you don\u2019t know what to invest in or whether an investment is right for you, HL does have advisers that can help you, although this is for an additional fee.<\/p><p>You\u2019ll get the same tax relief with a SIPP as you do with other pensions. You can add up to \u00a340,000 to your pension (if you\u2019re a UK resident under 75).<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000011\" data-toggle=\"collapse\" data-target=\"#accordion0000000011\">\n        <span class=\"luna-accordion__title\">What is the Hargreaves Lansdown junior pension?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000011\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><h4>Junior SIPP<\/h4><p>For the ultra-organised parent or guardian, you have the option to open a Junior SIPP for your child. Allowing you to save for you child\u2019s retirement. This works pretty much like the Junior ISA and the SIPP combined \u2013 there\u2019s a  allowance per child per tax year, of which the government will pay 20% tax relief. The \u201cchild\u201d (they won\u2019t be a child by the time) can only access the money when they turn 55 (57 from 2028).<\/p><p>If you\u2019re looking for a way to invest in your child\u2019s long-term future, this could be suitable. If you\u2019d prefer them to have access to the funds when they\u2019re 18, consider the Junior ISA instead.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000012\" data-toggle=\"collapse\" data-target=\"#accordion0000000012\">\n        <span class=\"luna-accordion__title\">What are the Hargreaves Lansdown pension options?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000012\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p><strong>For those who are about to retire, Hargreaves Lansdown offers the following:<\/strong><\/p><ul><li><a href=\"https:\/\/www.finder.com\/uk\/pensions\/what-are-annuities\">Annuity<\/a> (a guaranteed income for life in return for a pot of pension savings)<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/pensions\/pension-drawdown\">Drawdown<\/a> (where you \u201cdraw down\u201d funds from your invested pension pot to give you an income)<\/li><\/ul><p>An integral part of the UK\u2019s pension system, an annuity is a type of retirement income product that you can purchase with some (or all) of your pension pot. It pays you a regular income for the rest of your life or an agreed period.<\/p><ul class=\"list-1\"><li>Access to annuity quotations from the whole of the market<\/li><li>\u201cBest Rate Promise\u201d<\/li><li>No charge for buying and selling funds<\/li><li>Free analysis and updates from the Hargreaves Lansdown research team<\/li><\/ul><p>Drawdown is when you take a variable income from your pension pot, while keeping some of it invested.<\/p><ul class=\"list-1\"><li>Good if you want to access your pension and keep invested<\/li><li>Allows you to take out tax-free cash at the start<\/li><li>Allows the option for taking unlimited taxable withdrawals<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000013\" data-toggle=\"collapse\" data-target=\"#accordion0000000013\">\n        <span class=\"luna-accordion__title\">What is the Hargreaves Lansdown general investment account (GIA)?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000013\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Hargreaves Lansdown\u2019s Fund and Share account lets you buy and sell shares, <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/best-investment-trusts\">investment trusts<\/a>, exchange-traded funds, and bonds. You can build a portfolio yourself and benefits include:<\/p><ul><li>Easily manage investments online, through the Hargreaves Lansdown app or by phone<\/li><li>Free to hold shares<\/li><li>Discover investment opportunities with a wide range of tools<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000014\" data-toggle=\"collapse\" data-target=\"#accordion0000000014\">\n        <span class=\"luna-accordion__title\">What is the Hargreaves Lansdown active savings account?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000014\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Hargreaves Lansdown offers a service called \u201cActive Savings\u201d, which gives you an interest rate return on cash savings. Instead of having to shop around for <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\">savings accounts<\/a> with the best rates, HL allows you to swap to a new savings account with a better rate without all the hassle of moving. <\/p><p>This is a nice service and allows you to make the most out of savings offers on the market. It\u2019s free to use and HL makes money from the banking partners. However, that rates may not be the best on the market.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000015\" data-toggle=\"collapse\" data-target=\"#accordion0000000015\">\n        <span class=\"luna-accordion__title\">How does Hargreaves Lansdown work?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000015\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>To start investing with Hargreaves Lansdown, you\u2019ll first need to open an account. The right account for you will depend on your goals. You might be saving for the future, for retirement, or even for your child.<\/p><p>Hargreaves Lansdown can help you narrow things down and find the right account, allowing you to compare accounts and tick things that apply to you.<\/p><p>To open an account with Hargreaves Lansdown, you\u2019ll need the following:<\/p><ul><li>Your national insurance (NI) number<\/li><li>Your debit card details<\/li><li>Your bank details to set up monthly payments<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000016\" data-toggle=\"collapse\" data-target=\"#accordion0000000016\">\n        <span class=\"luna-accordion__title\">Does Hargreaves Lansdown have an app?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000016\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. And it\u2019s pretty good, too! It uses Face ID and fingerprint technology to keep it secure. Some things you can do with the Hargreaves Lansdown app includes:<\/p><ul><li>See live share prices<\/li><li>Trade on the go<\/li><li>Keep an eye on specific investments<\/li><li>Manage your investments<\/li><li>View your history<\/li><li>Top up<\/li><\/ul><p>The Hargreaves Lansdown app is available on iOS and Android.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000017\" data-toggle=\"collapse\" data-target=\"#accordion0000000017\">\n        <span class=\"luna-accordion__title\">Can I transfer my existing ISA to Hargreaves Lansdown?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000017\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. You just need to let Hargreaves Lansdown know, and it\u2019ll take care of it for you.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000018\" data-toggle=\"collapse\" data-target=\"#accordion0000000018\">\n        <span class=\"luna-accordion__title\">Is Hargreaves Lansdown trustworthy?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000018\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes! It\u2019s got one of the best reputations amongst all UK share dealing platforms and because it\u2019s a listed FTSE 100 company, everything is very transparent (including the company financials).<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000019\" data-toggle=\"collapse\" data-target=\"#accordion0000000019\">\n        <span class=\"luna-accordion__title\">Who is better Hargreaves Lansdown or AJ Bell?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000019\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>It depends on what you want as an investor. HL can be slightly more expensive than AJ Bell, but for fund investing \u2013 HL is great value. Part of the appeal of Hargreaves Lansdown is the customer support, and comprehensive service provided \u2013 which comes at a premium cost.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000020\" data-toggle=\"collapse\" data-target=\"#accordion0000000020\">\n        <span class=\"luna-accordion__title\">Are Hargreaves Lansdown charges too high?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000020\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Some of the fees are higher than with competitors, but others are lower. It depends on how you plan to invest. Part of the HL package is the wide access of accounts, investments, and also the top-notch customer service. Some people are happy paying a slight premium for the superior benefits.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000021\" data-toggle=\"collapse\" data-target=\"#accordion0000000021\">\n        <span class=\"luna-accordion__title\">How does Hargreaves Lansdown pay dividends?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000021\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can choose to either have your dividends paid into a nominated bank account or you can have them reinvested.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000022\" data-toggle=\"collapse\" data-target=\"#accordion0000000022\">\n        <span class=\"luna-accordion__title\">Does Hargreaves Lansdown have ethical investing options?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000022\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. There\u2019s a whole guide on <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/ethical-investing\">ethical investing<\/a> on its website, too!<\/p><\/div>\n  <\/div>\n<\/li><\/ul>","protected":false},"excerpt":{"rendered":"<p>Hargreaves Lansdown is the UK&#8217;s biggest and most comprehensive wealth manager, so it&#8217;s not the cheapest. We cover everything in this review.<\/p>\n","protected":false},"author":1273,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"Hargreaves Lansdown share dealing","_yoast_wpseo_title":"Hargreaves Lansdown (HL) expert investing review | Pros & cons","_yoast_wpseo_metadesc":"Hargreaves Lansdown (HL) is the UK's most comprehensive investing platform, but it's not the cheapest. 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