Hargreaves Lansdown — Bristol-headquartered, FCA-regulated platform - one of the UK's largest investment brokers, with deep coverage of ISA, SIPP and Active Savings products.
- Markets
- United Kingdom
- Wrappers
- ISA, SIPP, GIA
- Connection
- Open banking (read-only)
ISA, SIPP and GIA positions
Each wrapper is read as a separate account so the tax position is visible. Equities, funds, ETFs and investment trusts are surfaced with cost basis and current value.
Cash inside each wrapper
ISA cash, SIPP cash and GIA cash balances are shown distinctly so the wrapper-aware net worth is correct.
Dividends and fund distributions
Incoming dividends and accumulation-fund distributions are read alongside the underlying positions.
Active Savings (where exposed)
If the HL Active Savings connector exposes the product holdings, fixed-term and easy-access savings positions are surfaced as cash equivalents.
- United Kingdom
- UK and international equities
- Funds (OEIC and unit trust)
- ETFs
- Investment trusts
- Bonds
- Cash and Active Savings
- Stocks & Shares ISA
- SIPP (self-invested personal pension)
- Junior ISA
- Lifetime ISA
- GIA (general investment account)
- Active Savings cash
- What is my total UK equity exposure across HL ISA, SIPP and my Trade Republic Depot?
- How much have I contributed to my HL SIPP this tax year?
- Show me my dividends from UK stocks last quarter.
- Compare my HL SIPP performance vs. a global tracker over the last 5 years.
- Broker
Trade Republic
Pan-European broker with an EU banking licence; Depot, ETF Sparplan and cash all surfaced in Bank AI.
→ - Broker
Saxo Bank
Danish investment bank with 50+ market reach; multi-asset positions surfaced in Bank AI.
→ - Broker
Degiro
Amsterdam-based pan-EU broker, part of flatexDEGIRO; positions surfaced in Bank AI.
→ - Use case
Portfolio tracker
Live positions, dividends and allocation across every broker and wrapper.
→
Does Bank AI rebalance or place orders on my HL account?
No. Bank AI is read-only by design. We surface positions, cash, dividends and contribution flows so you can see the picture, but every trade or rebalance continues to be done inside the HL platform. We never move money on your behalf.
How does Bank AI connect to Hargreaves Lansdown?
HL exposes account data via the UK open-banking framework. Bank AI uses licensed AISP partners regulated by the FCA to read positions, cash, transactions and dividends. Strong Customer Authentication is enforced every 90 days as the rules require.
Does Bank AI calculate UK Capital Gains Tax?
No - Bank AI is a money app, not a tax tool. UK CGT (with same-day, 30-day and section-104 pool rules) is best handled in dedicated tax software or by your HL annual statement. We surface the underlying disposals and dividends so the audit trail is clean.
Can I see my SIPP and ISA in the same view?
Yes - that is the core proposition. Each wrapper is read as a separate account so the tax-efficient picture is preserved, but the consolidated net worth across SIPP, ISA, GIA and your home banking is visible at a glance.
Is HL Active Savings included?
Where the connector exposes Active Savings product holdings, fixed-term and easy-access cash savings are surfaced as cash-equivalent positions. The interest accrual is reflected in your overall yield.
Is my HL data stored outside the UK or the EU?
No. Bank AI processes broker data in EU regions by default, with AES-256 encryption and EU-region key management. HL itself remains the custodian of your investments; Bank AI never holds them.
Get the app