{"id":6521,"date":"2024-04-02T11:27:33","date_gmt":"2024-04-02T10:27:33","guid":{"rendered":"https:\/\/cloud9accountingteam.co.uk\/?p=6521"},"modified":"2026-11-06T14:50:09","modified_gmt":"2026-11-06T14:50:09","slug":"make-the-most-of-your-isa-allowance","status":"publish","type":"post","link":"https:\/\/cloud9accountingteam.co.uk\/sk\/make-the-most-of-your-isa-allowance\/","title":{"rendered":"ISA Allowance 2026\/27 and the Cash ISA Changes from April 2027"},"content":{"rendered":"<p><em>Last reviewed: November 2026<\/em><\/p>\n<p>You can put up to <strong>\u00a320,000<\/strong> into ISAs in the 2026\/27 tax year, which ends on 5 April 2027. From 6 April 2027, the overall limit stays at \u00a320,000, but people under 65 will only be able to put <strong>\u00a312,000<\/strong> of it into cash ISAs. Over-65s can still put the full \u00a320,000 into cash.<\/p>\n<h3>Why ISAs matter<\/h3>\n<ul>\n<li>Interest, dividends and gains inside an ISA are tax-free.<\/li>\n<li>The dividend allowance is only \u00a3500, and dividend tax rates rose in April 2026, so sheltering investments matters more.<\/li>\n<li>Unused allowance cannot be carried forward to the next year.<\/li>\n<\/ul>\n<h3>What to do before April 2027<\/h3>\n<ul>\n<li>If you prefer cash savings and are under 65, consider using the full \u00a320,000 cash allowance this tax year.<\/li>\n<li>Married couples and civil partners each have their own allowance.<\/li>\n<li>A Lifetime ISA (up to \u00a34,000, counting towards the \u00a320,000) adds a 25% government bonus for first-time buyers aged 18 to 39.<\/li>\n<\/ul>\n<p>We help directors and landlords plan savings alongside their tax. <a href=\"https:\/\/cloud9accountingteam.co.uk\/sk\/contact\/\">Ozvite sa n\u00e1m<\/a>.<\/p>\n<p><small>Sources: <a href=\"https:\/\/moneyweek.com\/personal-finance\/cash-isas\/cash-isa-limit-allowance-changes\" target=\"_blank\" rel=\"noopener\">MoneyWeek, 26 November 2025<\/a>.<\/small><\/p>","protected":false},"excerpt":{"rendered":"<p>Last reviewed: November 2026 You can put up to \u00a320,000 into ISAs in the 2026\/27 tax year, which ends on 5 April 2027. From 6 April 2027, the overall limit stays at \u00a320,000, but people under 65 will only be able to put \u00a312,000 of it into cash ISAs. Over-65s can still put the full [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":6522,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_templately_pack_id":"","_templately_imported_at":"","_templately_source":"","_templately_import_session_id":"","site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6521","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ISA Allowance 2026\/27 and the Cash ISA Changes from April 2027 - Cloud 9 Accounting Team<\/title>\n<meta name=\"description\" content=\"The ISA allowance is \u00a320,000 for 2026\/27. From April 2027 under-65s can put only \u00a312,000 a year into cash ISAs. What changes and what to do now.\" class=\"yoast-seo-meta-tag\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cloud9accountingteam.co.uk\/sk\/make-the-most-of-your-isa-allowance\/\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:type\" content=\"article\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:title\" content=\"ISA Allowance 2026\/27 and the Cash ISA Changes from April 2027 - Cloud 9 Accounting Team\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:description\" content=\"The ISA allowance is \u00a320,000 for 2026\/27. From April 2027 under-65s can put only \u00a312,000 a year into cash ISAs. 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