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HMRC

The Personal Savings Allowance in 2026/27: How Rising Rates Are Quietly Taxing UK Savers

With easy-access accounts paying 4-5%, a basic-rate saver can breach their Personal Savings Allowance with around £20,000. How the PSA works, the £5,000 starting rate nobody mentions, and how HMRC quietly collects the tax.

Publisher · 5 min

Tax

ISAs explained for the 2026/27 tax year: cash vs stocks and shares, the £20,000 allowance, and the Lifetime ISA decision

The ISA is the most useful tax shelter most UK savers have, and the rules are simpler than they look. Here's how the £20,000 allowance works and which ISA suits you.

Publisher · 3 min