Answers · UK 2025/26
What is the deadline for contributing to an ISA before 5 April 2027?
You must make all ISA contributions for the 2026/27 tax year by midnight on 5 April 2027. The annual allowance of £20,000 cannot be carried forward and unused allowance is permanently lost.
Full answer
Each tax year you have an ISA allowance of £20,000 which you can split across Cash ISAs, Stocks and Shares ISAs, Innovative Finance ISAs, and Lifetime ISAs. The Lifetime ISA has a separate £4,000 sub-limit. To use your 2026/27 allowance, you must instruct your ISA provider to accept the deposit before 11:59pm on 5 April 2027. Any unused allowance is forfeited and cannot be rolled over to 2027/28. If you want to top up before the deadline, be aware that some providers especially investment platforms require a few business days to process transfers, so aim to submit instructions well before 5 April. You can hold multiple ISAs of different types simultaneously provided your total contributions across all of them do not exceed £20,000 in a single tax year.
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.