Answers · UK 2025/26
Can I have more than one ISA in the same year?
Yes. Since 6 April 2024 you can pay into multiple ISAs of the same type within a single tax year (e.g. two Cash ISAs with different providers), as long as your total subscriptions across all ISAs do not exceed the £20,000 annual allowance.
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Before April 2024 you could only pay new money into one ISA of each type per tax year. From 6 April 2024 this restriction was lifted for most ISA types — you can now hold and contribute to multiple Cash ISAs, multiple Stocks & Shares ISAs and multiple Innovative Finance ISAs within one tax year, with different providers if you wish. The total across all your ISA subscriptions still cannot exceed £20,000 in the tax year. Lifetime ISAs remain restricted: you can still only pay into one LISA per tax year (and £4,000/year max), although you can transfer between LISA providers. Junior ISAs: only one Cash JISA and one Stocks & Shares JISA per child, total £9,000 allowance. Transfers from previous years between providers do not count towards your new allowance.
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This answer is informational only and does not constitute financial, tax or legal advice. Figures are for the 2025/26 UK tax year. See our methodology and sources.