I opened an account but have changed my mind and would like to cancel

There are different rules for cancelling depending on the type of account you have.

Personal Pension

You can cancel your SIPP by informing us in writing by secure message within 30 days from the account being opened.

• For any single payments you’ve made – we’ll pay back minus any fees already deducted and any fall in the value of your investments.

• For any regular payments you’ve made – we will pay back in full if the first payment in a series is within 30 working days.

• For any company or third-party contributions you’ve made – we can only cancel if we cancel the entire account within 30 working days of account opening.

• For completed transfers – we can only cancel if it is within 30 working days of submitting the transfer. You should be aware some providers may refuse to take the transfer back and you may need to choose a new provider. What is returned is the value of the account at that time so be aware it could include losses if it has been invested.

The first time you withdraw money from your pension you can cancel the withdrawal within 30 working days.

ISA and JISA

You can cancel your Stocks and Shares ISA or Junior ISA within 14 days of opening it. To do this, send us a secure message.

When you cancel, we can sell or transfer your investments. You will get back the amount you paid or the value of your investments at the time of cancellation. Whichever is lower.

 Any fees will be charged until the account is fully closed, and won’t be refunded.

General Account

You can close your account anytime by selling your holdings and withdrawing your money. When the account balance is at £0, you can ask to close it. This can be done by phone or secure message.

Any fees will be charged until the account is fully closed, and won’t be refunded. You must report any capital gains or losses on your investments.

If we choose and manage your investments for you

If we manage your investments for you, you will need to call us to close your account on 0800 587 0460. You can talk to us from 9am to 5pm, Monday to Friday.