Tax year end hub
We want you to feel good, advising – even through your busiest period. That’s why we’ve created this online hub. Featuring important deadlines, a range of useful tools and some invaluable guidance, it’s all designed to make TYE as easy as ABC.
Key TYE deadlines for your diary
Tools and guidance to save you time
Technical expertise to grow your skills
Award-winning service when it matters
Key TYE deadlines for your diary
Never miss a deadline. All the critical dates in one place, so you can plan ahead and avoid last-minute worries.
Pension payments
- 9 March 2026 – Last date to request a PCLS (tax-free lump sum) before tax year end.
Tip: Ensure the SIPP is valued, transfers are complete, and cash is available.
- 16 March 2026 – Deadline for:
- Converting capped drawdown to flexi-access before taking income.
- Requesting an UFPLS payment (uncrystallised funds lump sum).
Tip: UFPLS depends on valuation and cleared transfers.
- 27 March 2026 (12 noon) – Final cut-off for one-off income payments for clients already in drawdown.
Tip: Ensure sufficient cleared funds are available in the SIPP cash account by this date.
- 31 March 2026 (10am) – CHAPS payment requests for urgent one-off payments.
Transfers
- 27 March 2026 – Last date to request a gift transfer by email.
Tip: Chase the ceding provider early to avoid delays.
Bed and ISA
- 27 March 2026 – deadline to submit an online Bed & ISA for it to be included in the current tax year.
Tip: Instructions can't be cancelled once submitted, and only one Bed & ISA can be in progress per clients. Submit early to allow time for trades to contract and avoid missing the cut-off.
- From 6 April – online Bed & ISA reopens for new tax year.
Tip: New tax year ISA allowances apply from this date. Check there are no active rebalances or scheduled investments that could prevent you submitting an instruction.
ISA and GIA withdrawals
- Allow 1–3 working days for payments.
Tip: If funds aren’t available, the timeframe starts once they clear.
- Ensure verified bank details are in place before requesting withdrawals.
Tip: Some withdrawals may take longer if additional verification checks are required – please plan accordingly.
Payments
- Online payments are fastest and avoid paperwork delays.
- ISA Subscriptions for 2026/27 tax year will be banked on 7 April 2026.
Tip: If paying for both tax years by cheque, provide separate cheques and post-date the second for 6 April 2026.
Frequently asked questions
We’ve put our heads together and answered many of the questions you may have over this busy tax year end.
Tips to save you time this tax year end
TIP 1
Verify client bank details early to prevent delays.
TIP 2
Use online forms and calculators to speed up requests.
TIP 3
Fund ISAs from GIAs for quick transfers.
TIP 4
Submit requests well in advance – avoid the last-minute rush.
Tools and guidance to save you time
Work smarter, not harder. Watch our quick walkthrough videos to get the most from your platform, and use our range of practical tools to save time when advising clients.
Platform walkthrough videos
In the run-up to 5 April, we want to help make TYE as easy as ABC. As part of that drive, we’ve made a series of quick videos that show how you can do key tasks on our platform as efficiently as possible.
- Make an ISA subscription
- Make a GIA payment
- Make a one-off pension contribution
- Get an annual GIA tax summary
- Move cash between products
- Find annual pension statements
- Check remaining ISA allowance
Make an ISA subscription
Make a GIA payment
Make a one-off SIPP and RIA contribution
Get an annual GIA tax summary
Move cash between products - from GIA to SIPP or ISA
Find annual pension statements
Check remaining ISA allowance
Tools available in V2.0
Make planning easier and more efficient, with tools available exclusively to AJ Bell Investcentre users.
- Planning and research tool
- Capital gains tax calculator
- Costs and charges calculator
Compare pension costs and choose with confidence
Both our SIPP and RIA offer flexibility to suit different client needs.
Use our cost comparison tool to see annual charges side by side, helping you decide which is best for protecting your client’s wealth.
Tax year end checklist
Compiled by our Tech Team, this checklist will help you really prove your worth to clients by spotting quick wins and overlooked opportunities.
Simplified Bed & ISA
Our newly-enhanced Bed & ISA journey is fully online and designed to streamline the process. Follow our step-by-step guide to understand how it works.
Technical expertise to grow your skills
From our planning webinar and Bitesize videos, to detailed technical guides and articles, these expert-led resources are designed to help you navigate tax year end with ease.
On demand
Your tax year end planning essentials
To help with your client conversations, our Senior Technical Consultant, Lisa Webster, discusses everything you need to know ahead of 5 April, including:
- optimising pension contributions to avoid tax traps and the loss of funded childcare;
- making the most of key allowances, including rates for IHT gifting, CGT and venture capital trusts; and
- upcoming changes to taxation rates and allowances in April 2026 and subsequent years.
Bitesize Technical
Our easily-digestible videos make the complex topics of tax year end simple, helping you stay informed and able to advise with confidence.
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Money purchase annual allowance
4 minute watch
The MPAA was introduced alongside pension freedoms on 6 April 2015. It limits the maximum amount of pension savings an individual can make each year to money purchase pension schemes with the benefit of tax relief. It only applies to people who have flexibly accessed their pension.
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Pension transfers
2 minute watch
A pension transfer involves relocating funds from one pension scheme to another. In the UK, most pension scheme members have a legal right to transfer, though certain conditions may apply.
As part of our Bitesize Technical series, Senior Technical Consultant Joshua Croft explains pension transfers.
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Tapered annual allowance
2 minute watch
The tapered annual allowance is a mechanism introduced by the Government to gradually reduce the annual allowance for high-income earners, aiming to limit the amount of tax relief individuals with significant earnings can claim on their pension contributions. As part of our Bitesize Technical series, Senior Technical Consultant, Joshua Croft, explains the rules around the tapered annual allowance.
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Carry forward
3 minute watch
Providing certain conditions are met, the carry forward rules allow an individual to use unused annual allowances from the three previous tax years to increase the overall annual allowance available to them in the current tax year.
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Annual allowance
4 minute watch
We often get asked “What’s the maximum pension contribution that can be made?”. The answer depends on a few factors. As part of our Bitesize Technical series, Senior Technical Consultant, Lisa Webster, explains the rules around the annual allowance, and how it impacts tax relief:
- What is the annual allowance?
- What counts towards the annual allowance?
- What happens when the annual allowance is exceeded?
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Capped drawdown
3 minute watch
Introduced in 2011 and available until 2015, capped drawdown is a method of withdrawing income from a defined contribution pension. As the name suggests, the income you can take is limited by a cap, based on the fund's value.
As part of our Bitesize Technical series, Senior Technical Consultant Lisa Webster explains more.
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Death benefits
2 minute watch
When a member of a defined contribution pension dies, any funds remaining in the pension can be passed on to their beneficiaries. This is potentially a very tax-efficient way of passing money on to loved ones.
As part of our Bitesize Technical series, Senior Technical Consultant Lisa Webster looks at how the death benefit rules work.
Please note: These are the current rules for pension death benefits. Changes to the tax treatment are due to come into force from 6 April 2027.
Top tips for outsmarting the taxman
Methods of giving pension tax relief
Navigating the money purchase annual allowance
Charity gifts from pensions: key considerations
Investing for children adviser guide
Money Purchase Annual Allowance guide
Carry forward guide
ISA adviser guide
Technical guides and articles
Our expert guidance gives you the clarity you need to plan with confidence and make the right decisions for your clients.
Award-winning service when it matters
Get answers quickly and make the most of every opportunity.
Speak with your regional Support Team
Let our Business Development Team help with those all-important opportunities.
Frequently asked questions
Pension payments
What do I need to do before submitting a pension payment request?
Please add and verify your client’s bank details on our V2.0 website. Verified details help prevent delays when payments are time sensitive.
What happens if pension payment deadlines are missed?
Payments requested after the cut offs are likely to be paid in the new tax year and recorded accordingly.
ISA and GIA withdrawals
How long do ISA and GIA withdrawals take?
Withdrawals usually take one to three working days. If we need to validate the request with a phone call, your client or their nominated contact must be available.
Can I request a withdrawal if the account doesn’t have enough cash yet?
Yes. You can submit the request, but the one to three day timescale starts once funds are available, not from the date of the request.
Do I need to verify bank details before requesting a withdrawal?
Yes. Please make sure bank details are correct and verified. For individuals and joint accounts, new bank details can be added online. For non standard accounts (trusts or company GIAs), a signed Change of Nominated Bank Account Form is still required.
Transfers
How can I speed up a transfer in?
Chasing the ceding provider can help, as it may speed up their processing. We will also chase the transfer from our side.
What is the deadline for gift transfers?
Please email transfersin@investcentre.co.uk by 27 March 2026 if your client wants to make a gift transfer.
Payments into SIPPs ISAs and GIAs
What’s the easiest way to make contributions before tax year end?
Online payments are the quickest and most efficient option for existing SIPPs, ISAs and GIAs. They remove the need for paperwork and help prevent delays.
Our walkthrough video shows you how to make a contribution quickly.
How do clients make an online payment?
Go to the client account summary page and select ‘Additional contribution / subscription / payment’.
A unique reference is generated for that payment – it must be used exactly for the funds to be applied correctly. The payment must be set up using the online portal and money received by AJ Bell by 5 April 2026.
Can clients use the same payment reference more than once?
Only if they are making multiple payments towards one intended amount. Otherwise, each reference is unique and must only be used for the specific payment created online.
ISA subscriptions and funding options
What’s the quickest way to fund an ISA?
One of the quickest methods is to move money from a client’s GIA using the ‘Move cash between accounts’ option on the client account summary page. Our short walkthrough video shows you how to quickly move cash between accounts.
Do trades need to settle before placing a product switch into an ISA?
Yes. Trades in the GIA must settle before 2 April 2026 to leave enough time to submit the switch.
Dual ISA application and subscription forms
How do dual ISA forms work?
They allow you to use your client’s 2025/26 ISA allowance and set up their 2026/27 subscription at the same time.
When will 2026/27 ISA subscriptions be banked?
Subscriptions for 2026/27 will be banked on 7 April 2026.
Do I need separate cheques for each tax year?
Yes. If subscribing for both years, you must provide two separate cheques, with the second one post dated 6 April 2026.
Please do not send cheques for the 2026/27 tax year until 9 March onwards.
New tax year documents
When are P60s sent?
P60s are sent around May and are posted directly to your clients.
When are SIPP annual statements produced?
SIPP annual statements are produced between July and August each year.
When are GIA tax summaries produced?
Tax summaries are produced around May / June and will be sent directly to your clients.
Adviser support and processing
Will Adviser Support extend its opening hours?
Yes. Adviser Support will be available 8am–7pm from 30 March to 2 April 2026. Please note, we’re closed on Friday 3 April due to the Bank Holiday.
Do you accept scanned documents and e signatures?
Yes, in a range of circumstances. You can view the full acceptance matrix here.
Need to get in touch? We’re here to help
Our Adviser Support Team will extend opening hours to 8am–7pm from 30 March to 2 April 2026 to support you through tax year end.
- Send queries to enquiry@investcentre.co.uk (include your client's account reference within your subject line).
- Alternatively, you can call us on 0345 839 9060 and select ‘Option 1’ for general queries or case updates.
- For specialist queries, find the specific team contact details, here.