Answers · UK 2025/26
What is the savings starting rate band in 2026/27?
The savings starting rate band is £5,000 at 0% for 2026/27, available to those with non-savings income below £17,570.
Full answer
The savings starting rate of 0% applies to up to £5,000 of savings interest, but is reduced pound-for-pound if non-savings income (employment, self-employment, pension) exceeds the personal allowance of £12,570. If non-savings income is £17,570 or more, no starting rate applies. This is separate from the Personal Savings Allowance (£1,000 basic rate, £500 higher rate). Many retirees with small pensions and savings interest can benefit significantly.
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.