I have an ISA and/or SIPP - if my Direct Debit is debited from my linked bank account before the end of the tax year, but arrives into my Freetrade account in the new tax year, which year will it contribute to?

The date your Direct Debit is debited from your linked bank account will be considered the contribution date.

For example, if the payment left your bank on 5 April 2025, it would be part of your 2024/25 tax year contribution. This is even if the cash does not arrive into your Freetrade account until 6 April 2025. However, if the payment left your bank on 6 April 6 2025, the payment would be part of your 2025/26 tax year contribution.

Can my employer contribute to my Freetrade SIPP?

Who can contribute to my SIPP?

My Direct Debit hasn’t arrived

How is a flexible ISA different from a non-flexible one?

What is the “flexible withdrawal” amount in my ISA?