Answers · UK 2025/26
What is the UK ISA allowance for 2025/26?
The UK ISA allowance for 2025/26 is £20,000 per adult, unchanged since 2017/18. You can split across Cash ISA, Stocks & Shares ISA, Innovative Finance ISA and Lifetime ISA (max £4,000 of the £20k). Junior ISAs have a separate £9,000 allowance for under-18s.
Full answer
For 2025/26, every UK adult (18+) can put up to £20,000 into ISAs and pay no Income Tax, dividend tax or CGT on returns. The £20,000 splits across: Cash ISA, Stocks & Shares ISA, Innovative Finance ISA (peer-to-peer lending), and Lifetime ISA (max £4,000 of the £20k, plus 25% government bonus). New from April 2024: you can open multiple ISAs of the same type in one tax year (e.g. two Cash ISAs). Junior ISAs for under-18s: £9,000 allowance, completely separate from adult ISA. ISA balance carries over tax year boundaries — only contributions reset. Surviving spouse inherits APS allowance equal to deceased spouse's ISA value. ISA wrapper protects from all UK tax inside; outside the wrapper, you have £500-£1,000 Personal Savings Allowance and £3,000 dividend allowance only.
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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.