Minimum Top-up

The minimum top-up you can make to any CIRCA5000 account is £5. This applies to one-off top-ups, monthly top-up and round-ups.

If your round-ups in any given week is less than £5, then the balance will continue to carry over to the following week until the minimum amount is at least £5 and can be collected.

Maximum Top-up for a GIA

There is no maximum amount you can add to a CIRCA5000 GIA.

Some banks might have their own card payment limit; so if you're trying to add more than your bank will allow in a single top-up, then you may need to make several smaller top-ups.

Maximum Top-up for an ISA

ISA rules mean you can only add up to the ISA allowance per tax year across all of your ISAs.

The ISA allowance for the 2022-23 tax year is £20,000; so you cannot add more than this amount to your CIRCA5000 ISA for this tax year.

Please be aware some banks may have their own card payment limit; so if you're trying to add more than your bank will allow in a single top-up, then you might need to make several smaller top-ups.

You can read more about ISAs here: https://www.gov.uk/individual-savings-accounts.

Maximum Top-up for an Junior ISA

JISA rules mean you can only add up to the JISA allowance per tax year across your child's JISAs.

The JISA allowance for 2022-23 is £9,000, so you cannot add more than this amount to your child's CIRCA5000 JISA for this tax year.

Please be aware some banks may have their own card payment limit; so if you're trying to add more than your bank will allow in a single top-up, then you might need to make several smaller top-ups.

You can read more about JISAs here: https://www.gov.uk/junior-individual-savings-accounts.

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