Savings & ISAs
Tax on Savings Interest From April 2027: The New 22%, 42% and 47% Rates
From 6 April 2027 savings interest is taxed 2 percentage points higher than other income: 22%, 42% and 47%. Here is what…
Savings & ISAs guides
Make your savings work harder — ISAs, your £20,000 allowance, interest, and the best home for your cash.
Savings & ISAs
Stocks and Shares ISA Tax: What's Tax-Free and What Changes in 2027
Gains, dividends and interest inside a stocks and shares ISA are free of Income Tax and Capital Gains Tax, and you never…
Savings & ISAs
The £100 Rule: When Your Child's Savings Interest Is Taxed as Yours
If money a parent gave a child produces more than £100 of gross income in a tax year, HMRC taxes all of it as the…
Savings & ISAs
Do You Pay Tax on ISA Withdrawals? Flexible ISAs and the Rules
ISA withdrawals are completely tax-free, whatever the amount and whenever you take it. The catch is whether taking money…
Savings & ISAs
Junior ISA 2026/27: Allowance, Tax and What Happens at 18
A Junior ISA lets you put up to £9,000 a year away for a child with no tax on the interest, dividends or gains. Here is…
Savings & ISAs
Bed and ISA: using your CGT allowance before the tax year ends
Bed and ISA means selling investments held outside a tax wrapper and immediately repurchasing them inside an ISA. It…
Savings & ISAs
HMRC Is Fining Lifetime ISA Savers: The 25% Withdrawal Trap
More than 129,000 savers paid LISA withdrawal charges in a single year, averaging £790. Why the 25% charge takes your…
Savings & ISAs
How Many ISAs Can You Have? The 2026/27 Rules Made Simple
Unlimited ISAs, one £20,000 allowance. How the post-2024 rules work, the Lifetime ISA exception and how to split…
Savings & ISAs
ISA Changes 2026/27: Cash ISA Cut, 22% Charge and Transfer Ban
The Cash ISA allowance is being cut to £12,000, a 22% charge hits cash in investment ISAs, and under-65 transfers are…
Savings & ISAs
Lifetime ISA Explained: The 25% Bonus, Rules and Is It Worth It?
A plain-English guide to the Lifetime ISA: how the 25% government bonus works, who can open one, using it for a first…
Savings & ISAs
Premium Bonds Explained: Odds, Prizes and Is It Worth It?
Premium Bonds swap interest for a monthly tax-free prize draw, backed by HM Treasury. We explain how they work, the real…
Savings & ISAs
ISA Allowance 2026/27: How to Use Your £20,000 Tax-Free Limit
Your ISA allowance 2026/27 is £20,000 per person. Here's how to split it across ISA types, use the LISA bonus, and grow…
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