Overview
- UK adults have a £20,000 ISA allowance for the 2025/26 tax year that must be used by 5 April, and any unused portion cannot be carried over.
- Monzo has displayed a banner telling customers there are 20 days left to use this year’s allowance, underscoring the “use it or lose it” cut‑off.
- Martin Lewis’s MoneySavingExpert highlights top variable cash ISAs around 4.68%—including Trading 212’s rate with a one‑year newbie bonus—plus Plum at 4.66% and Tembo at 4.55%.
- Fixed options cited include one‑year deals at 4.2% from Tesco Bank and Tandem, and two‑year fixes near 4.16% from Tandem, with alternatives from Furness Building Society and Nationwide.
- Some providers set earlier internal cut‑offs—Hodge Bank requires applications by 26 March and Harpenden Building Society by 4pm on 2 April—so savers may need to open accounts before Easter weekend.