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Cash Isa rules and allowances

How to invest your Isa allowance in line with the latest rules, plus your most common Isa questions answered by Which? Money experts. What is the Isa allowance in 2022-23? For the 2022-23 tax year, everyone has an Isa allowance of £20,000 – this is the maximum amount you’re allowed to pay into Isas between 6 April 2022 […]

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Cash Isa alternatives

What if you aren’t sure a cash Isa is for you? We explore the pros and cons of other ways to save. Savings accounts Standard savings accounts may be the next place to look if you like to save in cash Isas. Basic-rate taxpayers can earn the first £1,000 of interest on non-Isa savings tax-free […]

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Can you inherit an Isa?

Discover how you can pass on your Isa savings to a spouse or civil partner tax-free under new inheritance rules for Isas. Can I inherit an Isa? If your spouse or partner dies, you’ll probably be able to inherit their Isa savings through an ‘inherited Isa allowance’, also known as an ‘additional permitted subscription’ (APS). […]

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Are Isas still worthwhile?

Does the personal savings allowance make cash Isas redundant? Read the Which? guide to tax-free savings to decide whether cash Isas are still a good home for your savings. Do I still need an Isa? Isas and standard savings accounts are now on equal footing, thanks to the personal savings allowance which was introduced on 6 April 2016. […]

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Best Junior cash Isas

Earn up to 2.5% with the best Junior Isas for under 18s and discover how to make the most of the tax-free Junior Isa allowance for your child. What are the best Junior cash Isas rates in 2022? The Junior Isa allowance in the 2022-23 tax year – beginning 6 April 2021 – is £9,000. It has remained […]

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What is an Isa?

Everything you need to know about the entire Isa family, from the original cash Isa to new innovative and lifetime Isas. What is an Isa? The term Isa stands for ‘individual savings account’, and allows you to save tax-free into a cash savings or investment account. Isa accounts are offered by banks, building societies, insurers, […]

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Innovative Finance Isas explained

Innovative Isas help you earn tax-free interest on peer-to-peer lending. Find out which companies offer them, and the rates on offer. What is an innovative finance Isa, or Ifisa? An innovative finance Isa (Ifisa) – is an Isa that contains peer-to-peer loans instead of cash (as in a cash Isa) or stocks and shares (as in an […]

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What is a stocks and shares Isa?

Stocks and shares Isas offer the possibility of higher returns than cash Isas, but only if you’re happy to take some risks with your savings What is a stocks and shares Isa? While a cash Isa is simply a tax-free savings account, a stocks and shares Isa is a tax-efficient investment account that lets you […]

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