In short
To use your 2025/26 tax allowance, your money must be paid in by 11:59pm on 5 April.
Because of the bank holiday, some payments made before the deadline may not show on your InvestEngine account dashboard until Wednesday 8 April.
Key dates to know
- Tax year end: 11:59pm on 5 April
- Dashboard updates during bank holiday: payments and some internal movements may not display correctly until Wednesday 8 April
Deadlines by payment method (recommended)
Use the table below to see the latest time you should make your payment.
| Payment method | Latest time to make the payment | What to expect |
|---|---|---|
| Instant Transfer / Open Banking (recommended for time-sensitive payments) | Ideally before 6:30pm Thursday 2nd April but before 11:59 Sunday 5th April 2026 | Best option is payments made before 18:30 on 2/4/26. Payments made after this time may still count for 2025/26 if completed by 5 April, but could take longer to show on your dashboard. |
| Manual bank transfer (not Open Banking) | 11:59pm — Saturday 4 April | Recommended earlier cut-off due to bank holiday processing delays. |
| Recurring bank payment (online banking regular payment) | 11:59pm — Sunday 5 April | If debited after 6:30pm on 2 April and before 11:59pm on 5 April, it may only show on your dashboard after 8 April, but will still count for 2025/26. |
| Direct debit | Deposits received by InvestEngine by the 2nd April 18:30. | Direct debits processed by us before this time will count for 2025/26. After this time, we will not process direct debits again until the new tax year, due to bank holidays. |
What counts in the 2025/26 tax year
- Money paid in before 11:59pm on 5 April will be included in your 2025/26 tax allowance.
- Money paid in after 11:59pm on 5 April will be included in the 2026/27 tax year.
Why your dashboard might update later (bank holiday)
Due to the bank holiday, some payments made before the tax year end may not show on your dashboard until Wednesday 8 April. If your payment was submitted by the deadlines above, there is no need to worry. It will be processed, but may not appear until Wednesday 8th April.
This can also apply to movements between your portfolios on the InvestEngine platform made:
- after 6:30pm on 2 April, and
- before 11:59pm on 5 April
In particular, moving funds from a GIA cash account into an ISA or SIPP may not display accurately until we receive final banking information on Wednesday 8 April.
If you are paying close to the deadline
- If your payment is time-sensitive, use Instant Transfer / Open Banking.
- You can make your payment up until 11:59pm on 5 April to count in the 2025/2026 tax year, but it may not reflect in your InvestEngine account until Wednesday 8th April.
- The later you leave it, the more chance for delays on your bank’s side - so if you want to be certain to hit the 2025/2026 tax year deadline, then earlier is better.
Common questions
If my payment shows on the dashboard after 8 April, will it still count for 2025/26?
It can do. If the payment was made before 11:59pm on 5 April, it will be included in your 2025/26 allowance, even if it shows on your dashboard later due to bank holiday delays.
What happens to recurring payments taken after 5 April?
Recurring payments debited after 11:59pm on 5 April will fall into 2026/27.