HARGREAVES LANSDOWN ASSET MANAGEMENT LIMITED
| Dimension | Evidenced | Coverage | Strength | Official |
|---|---|---|---|---|
| Regulatory Standing | 9/10 | 90.0% | 100.0% | 100.0% |
| Client Asset Protection | 7/11 | 63.6% | 87.1% | 100.0% |
| Cost Transparency | 8/11 | 72.7% | 74.8% | 75.0% |
| Security and Operational Controls | 0/7 | 0.0% | — | — |
| Corporate Transparency | 8/10 | 80.0% | 100.0% | 100.0% |
| Conduct and Track Record | 3/7 | 42.9% | 100.0% | 100.0% |
| All dimensions | 35/56 | 62.5% | — | 94.3% |
Regulatory Standing
Is the entity authorised, and by which regulator?
The Financial Services Register records Hargreaves Lansdown Asset Management Limited under firm reference number 115248, regulated by the Financial Conduct Authority with effect from 01/04/2013.
Statutory register · Financial Conduct Authority · FCA Register — Regulators · as at 12 September 2026 · Check the source
What is the entity's current authorisation status?
The register records the firm's status as "See full details", effective from 01/12/2001, sub-status "Former 3MLD". Business type: Regulated.
Statutory register · Financial Conduct Authority · FCA Register — Status · as at 12 September 2026 · Check the source
Which regulated permissions does the entity hold?
Of those permissions, 10 record a retail customer type: Sending dematerialised instructions; Safeguarding and administration of assets (without arranging); Managing investments; Dealing in investments as principal; Causing dematerialised instructions to be sent; Arranging safeguarding and administration of assets; Making arrangements with a view to transactions in investments; Dealing in investments as agent; Arranging (bringing about) deals in investments; Advising on investments (except on Pension Transfers and Pension Opt Outs).
Statutory register · Financial Conduct Authority · FCA Register — Permissions, customer types · as at 10 September 2026 · Check the source
The register records 12 regulated activity permission(s): Agreeing to carry on a regulated activity; Sending dematerialised instructions; Safeguarding and administration of assets (without arranging); Managing investments; Establishing/operating/winding up a personal pension scheme; Dealing in investments as principal; Causing dematerialised instructions to be sent; Arranging safeguarding and administration of assets; Making arrangements with a view to transactions in investments; Dealing in investments as agent; Arranging (bringing about) deals in investments; Advising on investments (except on Pension Transfers and Pension Opt Outs).
Statutory register · Financial Conduct Authority · FCA Register — Permissions · as at 10 September 2026 · Check the source
Is the entity an Appointed Representative, and of whom?
The register records 1 appointed representative relationship(s) involving this firm.
Statutory register · Financial Conduct Authority · FCA Register — Appointed Representatives · as at 10 September 2026 · Check the source
What trading names are registered to this entity?
The register also records 6 previous trading name(s): "Hargreaves Lansdown Financial Practitioners"; "Hargreaves Lansdown Financial Planning"; "Hargreaves Lansdown Direct"; "Hargreaves Lansdown Demutualisation Rollover Club"; "Hargreaves Lansdown Corporate Solutions"; "Equity News".
Statutory register · Financial Conduct Authority · FCA Register — Names, previous · as at 10 September 2026 · Check the source
The register records 4 current trading name(s): "HL Workplace Solutions" (Trading, from 06/02/2018); "Hargreaves Lansdown Currency Service" (Trading, from 01/02/2017); "Hargreaves Lansdown" (Trading, from 18/06/1992); "Hargreaves Lansdown Asset Management Limited" (Registered, from 01/12/2001).
Statutory register · Financial Conduct Authority · FCA Register — Names · as at 10 September 2026 · Check the source
Do the registered office and the regulator's recorded place of business agree?
The register records the registered office address as 1 College Square South, Anchor Road, Bristol, BS1 5HL.
Statutory register · Companies House · registered_office_address · as at 6 September 2026 · Check the source
The FCA Register records the firm's Principal Place of Business as Hargreaves Lansdown, Welcome Building, Avon Street, Bristol, BS2 0TR, UNITED KINGDOM. The Companies House registered office is recorded as 1 College Square South, Anchor Road, Bristol, BS1 5HL. The two records do not agree on premises and postcode.
Statutory register · Financial Conduct Authority · FCA Register — Address, compared with Companies House · as at 10 September 2026 · Check the source
Are there requirements, restrictions or waivers on the permissions?
The register records 1 requirement(s) on this firm's permissions: OR-0229344 (effective 06/11/2023): This firm can approve its own financial promotions as well as those of members of its wider group and, in certain circumstances, those of its appointed representatives..
Statutory register · Financial Conduct Authority · FCA Register — Requirements · as at 10 September 2026 · Check the source
What cross-border or passporting permissions does the register record?
The register records 1 passporting arrangement(s): GIBRALTAR (Passporting Out). This records the jurisdictions the firm holds arrangements for; it does not establish the full set of markets the firm advertises to.
Statutory register · Financial Conduct Authority · FCA Register — Passports · as at 10 September 2026 · Check the source
Does the customer-facing brand map to the authorised entity?
The register records "HL Workplace Solutions"; "Hargreaves Lansdown Currency Service"; "Hargreaves Lansdown"; "Hargreaves Lansdown Asset Management Limited" as registered trading name(s) of firm reference number 115248, and links that firm reference number to Companies House company number 01896481.
Statutory register · Financial Conduct Authority · FCA Register — Names and Companies House Number · as at 10 September 2026 · Check the source
Is regulatory status disclosed clearly to customers at point of sale?
No qualifying source was located within the evidence window. This criterion requires: regulatory disclosure located on the entity's own site or client agreement
Client Asset Protection
Does the entity hold client money or assets?
The register records the firm's client money permission as "Hold and control client money".
Statutory register · Financial Conduct Authority · FCA Register — Client Money Permission · as at 12 September 2026 · Check the source
Who holds client money, and under which regime is it held?
Cash in your PMS SIPP is held by HLPT on trust in SIPP Trustee Bank Accounts in accordance with the Scheme Rules and not the FCA's client money rules. It is segregated from HLPT's own funds and those of HLAM.
The document states that cash in the PMS SIPP is held by HLPT on trust in SIPP Trustee Bank Accounts and is segregated from HLPT's own funds and those of HLAM.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
“SIPP Trustee Bank Account” means an account at a bank or credit institution in which HLPT, acting as the HL SIPP trustee, holds money belonging to you and other clients that is held within the HL SIPP;
The terms define a SIPP Trustee Bank Account as an account at a bank or credit institution in which HLPT, acting as HL SIPP trustee, holds money belonging to the client and other clients within the HL SIPP.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Cash we hold for you in Accounts other than the PMS SIPP is held by HLAM on trust in Client Bank Accounts and is segregated from its own funds in accordance with the FCA's client money rules and guidance.
The document states that cash held for Accounts other than the PMS SIPP is held by HLAM on trust in Client Bank Accounts and segregated from its own funds in accordance with the FCA's client money rules.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
All cash and assets in PMS SIPP Accounts are held on trust by HLPT in accordance with the Scheme Rules.
The client agreement states that all cash and assets in PMS SIPP Accounts are held on trust by HLPT in accordance with the Scheme Rules.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Cash balances held in the Client Bank Accounts and SIPP Trustee Bank Accounts are expected to earn interest of between 0.5% below and 0.5% above the prevailing Bank of England base rate over the next 12 months.
The agreement states that cash balances are held in Client Bank Accounts and SIPP Trustee Bank Accounts.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
“Client Bank Account” means an account at a bank or credit institution, in which we hold money belonging to you and other clients of Hargreaves Lansdown;
The terms define a Client Bank Account as an account at a bank or credit institution in which HLAM holds money belonging to the client and other clients of Hargreaves Lansdown.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Which institutions hold segregated client money?
Cash in PMS SIPP Accounts is held in SIPP Trustee Bank Accounts in HLPT’s name.
The client agreement states that cash in PMS SIPP Accounts is held in SIPP Trustee Bank Accounts in HLPT's name.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Which entity acts as custodian for client securities?
HLAM administers and holds the cash and investments in all Accounts other than the PMS SIPP. HLPT holds the cash and investments in PMS SIPP Accounts as trustee of the HL SIPP.
The document states that HLAM administers and holds the cash and investments in all Accounts other than the PMS SIPP, and that HLPT holds the cash and investments in PMS SIPP Accounts as trustee of the HL SIPP.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
We do not accept liability for default or mistakes by any third party, other than a member of the Hargreaves Lansdown Group, who is the nominal holder, or has some other form of custody, over your registered investments.
The agreement states that a member of the Hargreaves Lansdown Group acts as the nominal holder, or has some other form of custody, over the client's registered investments.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Investments you purchase or transfer into an Account will be held in the name or to the order of HL Nominees or any other nominee company in the Hargreaves Lansdown Group or by an approved third party custodian to our order.
The agreement states that investments purchased or transferred into an Account will be held in the name of HL Nominees or another nominee company in the Hargreaves Lansdown Group, or by an approved third party custodian.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Which entity acts as custodian of client assets, and is it a separate legal entity from the operator?
HLPT has appointed HLAM as custodian of the non-cash assets and investments, which are held on its behalf in accordance with section A22.
The client agreement states that HLPT appointed HLAM as custodian of the non-cash assets and investments held in PMS SIPP Accounts, which are held on HLPT's behalf.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
a member of the Hargreaves Lansdown Group, who is the nominal holder, or has some other form of custody, over your registered investments
The agreement identifies a member of the Hargreaves Lansdown Group as the entity that is the nominal holder or otherwise has custody over the client's registered investments.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
“HL Nominees” means Hargreaves Lansdown (Nominees) Limited, a company incorporated and registered in England and Wales with company number 01824226 whose registered office is 1 College Square South, Anchor Road, Bristol, BS1 5HL;
HL Nominees is defined as Hargreaves Lansdown (Nominees) Limited, a separately incorporated company with its own company number, registered in England and Wales.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
HL Nominees is a non-trading company set up to hold investments on behalf of our clients. HLAM is responsible and liable for HL Nominees to the same extent as for its own acts.
The document states that HL Nominees is a non-trading company set up to hold investments on behalf of clients, and HLAM is responsible and liable for HL Nominees to the same extent as for its own acts.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Which compensation scheme applies to the entity, or does none apply?
No qualifying source was located within the evidence window. This criterion requires: the scheme's own register matched to the entity, or the entity's binding statement of which scheme covers it. where no scheme applies, the entity's own disclosure to that effect is the answer: a compensation scheme's register cannot establish that a firm outside its scope is outside its scope.
What is the per-customer compensation limit?
No qualifying source was located within the evidence window. This criterion requires: scheme's published limit for the relevant activity
Do compensation limits differ by product held?
No qualifying source was located within the evidence window. This criterion requires: scheme rules cross-referenced against the entity's products
Is there evidence of independent assurance over client asset arrangements?
No qualifying source was located within the evidence window. This criterion requires: auditor's client assets report or equivalent published assurance
What does the entity disclose about client assets if it fails?
If HLAM was to fail, then you would be entitled to bring a claim for your proportionate share of any money which has been segregated and held as client money for the purpose of rectifying any shortfall in your investments.
The document states that if HLAM were to fail, the client would be entitled to bring a claim for their proportionate share of any money segregated and held as client money to rectify a shortfall in their investments.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
In the event of a default by a bank or credit institution, you may have to bear any shortfall in the general Client Bank Accounts on a pro-rata basis based on the cash balance held across all general Client Bank Accounts.
The document states that in the event of a default by a bank or credit institution, the client may have to bear any shortfall in the general Client Bank Accounts on a pro-rata basis based on the cash balance held across all general Client Bank Accounts.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
In the event of a default by a bank or credit institution holding your cash in a SIPP Trustee Bank Account or general Client Bank Account, you may have to bear any shortfall in those accounts on a pro rata basis based on the cash balance in each type of account held with the institution which is in default.
The document states that in the event of a default by a bank or credit institution holding cash in a SIPP Trustee Bank Account or general Client Bank Account, the client may have to bear any shortfall in those accounts on a pro rata basis based on the cash balance in each type of account held with the defaulting institution.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
such amounts may not be immediately available for distribution in the event of default by HLAM or by one of the institutions with whom your money is held.
The document states that amounts placed in notice or term deposit accounts may not be immediately available for distribution in the event of default by HLAM or by one of the institutions with whom the client's money is held.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Are client assets subject to lending, rehypothecation or re-use?
Within all Accounts (other than the PMS SIPP) you remain the beneficial owner of the investments (and cash) and agree you will not try to sell, mortgage, use as security for a loan or otherwise deal in or part with beneficial ownership of the investments and cash held in the Account, other than where you give, and we accept, instructions in accordance with these Terms.
The client agreement states that within all Accounts other than the PMS SIPP, the client remains the beneficial owner of investments and cash and agrees not to sell, mortgage, use as security for a loan or otherwise deal in or part with beneficial ownership of those assets, other than under agreed instructions.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Investments will not be lent to a third party and we will not borrow money against your investments.
The agreement states that investments will not be lent to a third party and the firm will not borrow money against the client's investments.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Cost Transparency
Is a complete fee schedule publicly available?
PORTFOLIO MANAGEMENT SERVICE TARIFF OF MAIN CHARGES
The agreement contains a section headed Portfolio Management Service tariff of main charges.
Binding document · Hargreaves Lansdown Asset Management Limited · tariff of main charges · as at 13 September 2026 · Check the source · transcribed by hand
Up to date details of our charges can be found in the Tariff of Charges, which may be varied from time to time in accordance with section A7.
The document states that up to date details of charges can be found in the Tariff of Charges.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
What commission or dealing charges apply?
Switching funds held in the portfolio No charge
The fund dealing charges table states there is no charge for switching funds held in the portfolio.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Phone dealing £29 per trade
The share dealing charges page states that phone dealing costs £29 per trade.
Published by the firm · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Buying/selling funds held in the portfolio No charge
The fund dealing charges table states there is no charge for buying or selling funds held in the portfolio.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
20+ trades last month £3.95
The share dealing charges page states that for 20 or more trades made in the last month, the charge per trade is £3.95.
Published by the firm · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Monthly regular investing (Direct Debit) No charge
The share dealing charges page states that trades made via monthly regular investing by Direct Debit incur no charge.
Published by the firm · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Equity regular savings No charge Available on FTSE 350 shares, selected investment trusts and selected ETFs subject to a minimum of £25 per stock per month.
The share dealing charges page states that equity regular savings, available on FTSE 350 shares, selected investment trusts and selected ETFs subject to a minimum of £25 per stock per month, has no charge.
Published by the firm · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
For ongoing advice, HL will deduct the 0.365% per year charge from the cash part of your investment account, for example from your HL Stocks and Shares ISA.
The document states that HL will deduct a 0.365% per year ongoing advice charge from the cash part of the client's investment account.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Selling funds and shares: if you have instructed us in writing to sell funds/shares and invest into the PMS as agreed with your Financial Adviser, then there is no commission to pay.
The document states that if a client has instructed in writing to sell funds/shares and invest into the PMS as agreed with their Financial Adviser, there is no commission to pay.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Reinvestment of income No charge In each account, if you choose automatic reinvestment, any dividends you receive will be reinvested once they reach £10 per holding.
The share dealing charges page states that reinvestment of dividend income once they reach £10 per holding has no charge.
Published by the firm · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
What is the FX or currency conversion charge?
No qualifying source was located within the evidence window. This criterion requires: published rate, with the base rate it applies to stated
What reference rate does the entity state it uses for currency conversion?
No qualifying source was located within the evidence window. This criterion requires: the entity's own statement of the rate it converts at — a named provider's rate, a mid-market point, a panel quotation, or its own internal rate — together with any margin or percentage added to it. record what the document says the rate is. do not compare it to a benchmark the document does not name.
What spread or implicit cost applies, and is it disclosed?
The investments you choose may have their own initial and annual charges and a bid offer spread.
The document notes that the investments a customer chooses may have their own initial and annual charges and a bid offer spread.
Published by the firm · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Are there account, platform or custody fees?
For ongoing advice, HL will deduct the 0.365% per year charge from the cash part of your investment account, for example from your HL Stocks and Shares ISA.
The document states that for ongoing advice, HL will deduct a 0.365% per year charge from the cash part of the investment account, for example the HL Stocks and Shares ISA.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Junior ISA No charge
The annual management charges table states there is no charge for the Junior ISA.
Published by the firm · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Our charge is tiered and will be 0.25% per annum on the first £1m of funds within each account and no charge on the value of funds over £1m.
The Portfolio Management Service fund charge is tiered, applying 0.25% per annum on the first £1m of funds within each account and no charge on the value of funds over £1m.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 1 June 2021 · Check the source
HL account Annual charge Fund and Share Account 0.35% a year (capped at £12.50 per month)
The annual management charges table lists a Fund and Share Account annual charge of 0.35% a year, capped at £12.50 per month.
Published by the firm · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
You will also be charged by HLAS for the HL Review Service (which we will collect from you as set out in section A3).
The document states that clients will also be charged by HLAS for the HL Review Service.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
SIPP 0.35% a year (capped at £12.50 per month)
The annual management charges table lists a SIPP annual charge of 0.35% a year, capped at £12.50 per month.
Published by the firm · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Lifetime ISA 0.25% (capped at £3.75 per month)
The annual management charges table lists a Lifetime ISA annual charge of 0.25%, capped at £3.75 per month.
Published by the firm · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Stocks and Shares ISA 0.35% a year (capped at £12.50 per month)
The annual management charges table lists a Stocks and Shares ISA annual charge of 0.35% a year, capped at £12.50 per month.
Published by the firm · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
you will be charged an annual portfolio management service fund charge by HLAM.
The document states that clients using the PMS will be charged an annual portfolio management service fund charge by HLAM.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Are there inactivity or dormancy charges?
There are no charges for opening an account, holding cash or inactivity.
The document states there are no charges for opening an account, holding cash or inactivity.
Published by the firm · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
What withdrawal, transfer-out or closure charges apply?
If you transfer in cash you will not pay a separate transfer out fee.
The agreement states that no separate transfer out fee is payable if the transfer is made in cash.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
We reserve the right to apply a transfer fee of £25 per stock for in specie transfers.
The document states that a transfer fee of £25 per stock may apply for in specie transfers.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Charges may also apply to transfers and these are set out in section A31.
The document states that charges may apply to transfers, as set out in a separate section of the agreement.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
We reserve the right to apply a transfer out fee of £25 per stock for in specie transfers.
The agreement states that a transfer out fee of £25 per stock may be applied for in specie transfers.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Do headline marketing claims match the binding fee schedule?
No qualifying source was located within the evidence window. This criterion requires: direct comparison of marketing page against client agreement
Are interest arrangements on cash balances disclosed, including any retained share?
Cheques or payment orders that remain uncashed and residual Account balances will not attract further interest.
The document states that cheques or payment orders that remain uncashed and residual Account balances will not attract further interest.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
HLAM receives all interest earned on cash balances held in Client Bank Accounts and then separately pays interest to you on the
The document states that HLAM receives all interest earned on cash balances held in Client Bank Accounts and then separately pays interest to the client.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Cash balances held in the Client Bank Accounts and SIPP Trustee Bank Accounts are expected to earn interest of between 0.5% below and 0.5% above the prevailing Bank of England base rate over the next 12 months.
The document states that cash balances held in the Client Bank Accounts and SIPP Trustee Bank Accounts are expected to earn interest of between 0.5% below and 0.5% above the prevailing Bank of England base rate over the next 12 months.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Interest is earned on cash balances held in SIPP Trustee Bank Accounts. The PMS SIPP Key Features show the interest we expect to receive. The interest received will be used to credit interest to your PMS SIPP at rates determined by us
The client agreement states that interest is earned on cash balances held in SIPP Trustee Bank Accounts and is used to credit interest to the PMS SIPP at rates determined by the firm.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Cash balances held in the Client Bank Accounts and SIPP Trustee Bank Accounts are expected to earn interest of between 0.5% below and 0.5% above the prevailing Bank of England base rate over the next 12 months.
The document states that cash balances held in Client Bank Accounts and SIPP Trustee Bank Accounts are expected to earn interest of between 0.5% below and 0.5% above the prevailing Bank of England base rate over the next 12 months.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
HLAM receives all interest earned on cash balances held in Client Bank Accounts and then separately pays interest to you on the 04 cash you hold with us at rates determined by us. We retain the difference between the interest we receive and the interest we pay to you.
The document states that HLAM receives all interest earned on cash balances held in Client Bank Accounts and separately pays interest to clients at rates determined by HLAM, retaining the difference between the interest received and the interest paid.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
HLPT pays to HLAM an amount equal to the difference between the interest it receives on cash in the SIPP Trustee Bank Accounts and interest credited to your PMS SIPP as a fee for managing the PMS SIPP cash.
The client agreement states that HLPT pays HLAM an amount equal to the difference between the interest received on cash in the SIPP Trustee Bank Accounts and the interest credited to the customer's PMS SIPP, as a fee for managing the PMS SIPP cash.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
How much notice is given before charges or terms change?
We will give you at least 30 days' notice of any change to these Terms that may be detrimental to you, unless we are required to make the change sooner (for example for regulatory reasons)
The document states that at least 30 days' notice will be given of any change to the Terms that may be detrimental to the client, unless required sooner for regulatory reasons.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
or if the change relates to a reduction in the interest rate paid on any cash you hold within the HL Service, in which case we will give you at least 14 days' notice of such change.
The document states that where a change relates to a reduction in the interest rate paid on cash held within the HL Service, at least 14 days' notice will be given.
Binding document · Hargreaves Lansdown Asset Management Limited · as at 6 September 2026 · Check the source
Security and Operational Controls
Is multi-factor authentication offered, and is it mandatory or optional?
No qualifying source was located within the evidence window. This criterion requires: published security documentation
Are recognised security certifications held?
No qualifying source was located within the evidence window. This criterion requires: certificate or certifying body's register — never the entity's claim alone
Is there a published vulnerability disclosure or bug bounty route?
No qualifying source was located within the evidence window. This criterion requires: published policy page
Have security or data incidents been publicly disclosed, and how were they handled?
No qualifying source was located within the evidence window. This criterion requires: regulator notice, ico action, or contemporaneous independent reporting
Are operational resilience or continuity arrangements disclosed?
No qualifying source was located within the evidence window. This criterion requires: filed accounts, regulatory disclosure, or published policy
Have material service outages been reported, and were they disclosed by the entity?
No qualifying source was located within the evidence window. This criterion requires: independent reporting or the entity's own status history
Is a data protection registration in place, and with whom?
No qualifying source was located within the evidence window. This criterion requires: ico register or equivalent
Corporate Transparency
What is the entity's registered company number and legal form?
The register records company number 01896481, registered as "HARGREAVES LANSDOWN ASSET MANAGEMENT LIMITED", legal form "ltd", status "active".
Statutory register · Companies House · company profile · as at 6 September 2026 · Check the source
Who are the persons with significant control?
The PSC register records 2 active person(s) with significant control: Hargreaves Lansdown Group Limited (corporate-entity-person-with-significant-control; significant-influence-or-control); Hargreaves Lansdown Limited (corporate-entity-person-with-significant-control; ownership-of-shares-75-to-100-percent).
Statutory register · Companies House · PSC register · as at 6 September 2026 · Check the source
What is the group structure above this entity?
The PSC register records 2 corporate entity controller(s): Hargreaves Lansdown Group Limited; Hargreaves Lansdown Limited.
Statutory register · Companies House · PSC register (corporate entities) · as at 6 September 2026 · Check the source
Which jurisdiction is the ultimate parent registered in?
The PSC register records the corporate controller(s) as: Hargreaves Lansdown Group Limited, registration number 15812199, registered in United Kingdom, legal form Limited By Shares, under United Kingdom (England And Wales); Hargreaves Lansdown Limited, registration number 02122142, registered in United Kingdom, legal form Private Limited Company, under Companies Act 2006.
Statutory register · Companies House · PSC register, corporate identification · as at 6 September 2026 · Check the source
Are accounts filed on time and to the required standard?
The register records: next accounts due 2027-03-31; last accounts made up to 2025-06-30; the register flags accounts as not overdue.
Statutory register · Companies House · accounts · as at 6 September 2026 · Check the source
Are the accounts audited, and by whom?
No qualifying source was located within the evidence window. This criterion requires: auditor's report in the filed accounts
Is there a going-concern qualification or emphasis of matter?
No qualifying source was located within the evidence window. This criterion requires: auditor's report
When was the entity incorporated?
The register records incorporation on 1985-03-18.
Statutory register · Companies House · date_of_creation · as at 18 March 1985 · Check the source
Have there been recent changes of control, name or registered office?
The register records 2 previous company name(s): "HARGREAVES LANSDOWN FINANCIAL MANAGEMENT LIMITED" until 1987-10-27; "HARGREAVES LANSDOWN LIMITED" until 1987-07-01.
Statutory register · Companies House · previous_company_names · as at 6 September 2026 · Check the source
The filing history records 30 change filing(s) in the most recent 35 entries. Most recent: 2026-07-01: appoint-person-director-company-with-name-date; 2026-06-03: termination-secretary-company-with-name-termination-date; 2026-06-03: appoint-person-secretary-company-with-name-date; 2026-05-30: change-person-director-company-with-change-date; 2025-11-21: appoint-person-secretary-company-with-name-date.
Statutory register · Companies House · filing history · as at 6 September 2026 · Check the source
Are directors disqualified, or associated with disqualification?
A name search of the register of disqualified directors was run against the 7 active officer(s) recorded for this company on 2026-09-06. 4 name(s) returned one or more register entries. A name match does not establish that these are the same individuals: identity requires confirmation against date of birth and appointment history, which we have not performed. No individual is named here for that reason.
Statutory register · Companies House · disqualified officers search · as at 6 September 2026 · Check the source
Conduct and Track Record
Are there published regulatory enforcement actions against this entity?
A query of the Financial Services Register disciplinary history for firm reference number 115248 on 2026-09-12 returned no published entries. The register reported: "Disciplinary history information not found".
Statutory register · Financial Conduct Authority · FCA Register — Disciplinary History · as at 12 September 2026 · Check the source
Are there published enforcement actions against the parent or sister entities?
No qualifying source was located within the evidence window. This criterion requires: regulator's own publication, entity-matched
Are there published warnings or unauthorised-firm alerts naming this entity or a clone?
A register search for this firm's name returns 1 entr(ies) flagged as unauthorised, including firms the register identifies as clones: "Hargreaves Lansdown (clone of an FCA authorised Firm) (Postcode: n/a)" (Unauthorised). These entries concern third parties impersonating the authorised firm, not the authorised firm itself.
Statutory register · Financial Conduct Authority · FCA Register — Common Search, unauthorised entries · as at 10 September 2026 · Check the source
What complaints data does the entity publish, as required?
No qualifying source was located within the evidence window. This criterion requires: the entity's mandatory complaints return
What complaint volumes does the ombudsman publish about the entity?
In the Financial Ombudsman Service's half-yearly business complaints data, the row for Hargreaves Lansdown Asset Management Limited records 297 under the column "Total New Cases".
Statutory register · Financial Ombudsman Service · half-yearly business complaints data, Total New Cases · Check the source
Is there material litigation of public record?
No qualifying source was located within the evidence window. This criterion requires: court judgment or filed proceedings
Have directors been subject to published regulatory action individually?
No qualifying source was located within the evidence window. This criterion requires: regulator's individual register
What these figures measure. They describe the evidence we found, not the firm’s conduct. Where a criterion reads “not found”, we could not confirm it from public sources — that carries no negative inference.
Where the record shows no published enforcement action, that means our search of the register found none on the date stated. It is not a finding that no misconduct occurred.
If you are HARGREAVES LANSDOWN ASSET MANAGEMENT LIMITED and believe something here is wrong, write to corrections@veracentintelligence.co.uk. We will provide the evidence behind any finding, correct what we get wrong, and publish a statement of up to 300 words alongside anything we still disagree about.