Key Features
SIPP cash deposit accounts enable administrators to hold client pension cash securely within existing SIPP arrangements, while earning interest on balances.
They support the effective management of scheme liquidity, including facilitating contributions, withdrawals and charges, and maintaining cash availability for investment needs.
Instant access and 35-day notice options are available, allowing administrators to balance flexibility with enhanced returns. Rates are typically influenced by the Bank of England’s base rate.
- Easy access accounts offer maximum flexibility, allowing funds to be withdrawn when required. They are well-suited to managing day-to-day liquidity within a SIPP, typically offering lower interest rates than notice accounts
- Notice accounts require a set notice period (35 days) for withdrawals, offering enhanced interest rates in exchange for reduced immediate access
- No monthly fees apply to our SIPP cash deposit accounts
- Access via SIPP administrators only – accounts must be opened and managed through an authorised SIPP administrator and form part of an existing SIPP arrangement
SIPP Accounts
SIPP 35 Days' Notice Account (Issue 1)
SIPP Instant Access Account (Issue 1)
Notes: This interest rate information should be read in conjunction with our General Savings Account Terms and Conditions for Deposit Savings Accounts.
* The gross rate (PA) is the rate before deducting tax at the rate applicable to savings income. The annual equivalent rate (AER) is a notional rate which illustrates what the gross interest rate would be if the interest was paid and added to the account annually.
Some help & guidance
Savings FAQs
Find clear answers to our most frequently asked questions, designed to help you make your savings journey as simple as possible.
Jargon Buster
Financial jargon can be confusing sometimes. Our jargon buster breaks down some of the common savings terms and abbreviations.
Forms & Documents
Here you will find some useful savings forms and further information documents to help you manage your savings accounts.
Latest News
Community
OCT 21, 2026
Toastie Tuesday for Herts Young Homeless
Toastie Tuesday was back on the menu on Tuesday 20th October. Our much-loved Toastie Tuesday made a welcome return, bringing colleagues together for great food and an even greater cause. Toastie…
Community
OCT 01, 2026
2026/27 Charitable Grants: Youth Talk
HBS grant: £3,738.29 Download article here Every young person deserves someone to talk to. Growing up has never been easy. But for many young people today, it can feel overwhelming. Alongside the usual…
Industry
JUL 31, 2026
Fixed Rate product update
FOR INTERMEDIARY/PROFESSIONAL ADVISORS ONLY. NOT FOR CONSUMER USE.
Community
JUL 20, 2026
St Albans & Harpenden Careers Fair 2026
On a glorious Friday in early July, four of our colleagues volunteered at the St Albans and Harpenden Careers Fair, held at Rothamsted Research Conference Centre. This annual event brings together…
Latest News
JUL 10, 2026
Harpenden wins ‘Best Local Building Society’ at the 2026 What Mortgage Awards
Harpenden Building Society wins ‘Best Local Building Society’ for the 12th year in a row, as well as being marked ‘Highly Commended’ in the ‘Best Specialist Lender’ and ‘Best Large…
Community
JUL 01, 2026
Harpenden Support – Mia Caruso
From a young age I have been fascinated by cars and have grown up as a Ferrari enthusiast. Watching the F1 from a tiny age was a normal part of…
Community
JUN 30, 2026
Herts Young Homeless – Volunteering
One of the most rewarding aspects of working for a building society is the opportunity to volunteer alongside colleagues. At Harpenden Building Society, every colleague is given two days each…