5 articles tagged with Savings Tax.
How peer-to-peer lending income is taxed in the UK for 2026/27 - interest, the savings allowance, IFISAs, bad-debt relief and how to report it correctly.
NS&I Direct Saver variable rate ~3.25% (taxable). Premium Bonds prize rate ~4% expected value (tax-free). Comparison by tax band. NS&I GBP 2m limit vs PB GBP 50k. Which savings vehicle wins depends on your tax band and risk tolerance.
Maximise your Personal Savings Allowance in 2026/27. Learn how to shelter interest income, use ISAs alongside PSA, and avoid a surprise tax bill.
Your Personal Savings Allowance lets a basic-rate saver earn GBP 1,000 of interest tax-free, so a Cash ISA only wins above a certain balance. This guide works out the exact breakeven for each tax band in 2026/27.
A multi-year fixed bond can dump several years of interest into one tax year and blow past your Personal Savings Allowance. Here is how the timing trap works and how to plan around it.