Cash ISA Allowance 2025/2026
Important information - The information on this page is not personal advice - please ask us for financial advice if you’re not sure what’s right for you. Tax rules for ISAs can change and their benefits depend on your circumstances.
The Cash ISA allowance this tax year is £20,000
The maximum amount you can put into a Cash ISA is £20,000. Or you can spread £20,000 across any combination of Cash ISAs, Stocks and Shares ISAs, and Innovative Finance ISAs, as long as you stay within the overall limit. You can only subscribe to one Lifetime ISA each tax year (maximum of £4,000). Your Lifetime ISA allowance forms part of the overall £20,000 annual allowance.
Your ISA allowance resets at the start of each tax year (on 6 April). The deadline for adding money is midnight 5 April.
The ISA allowance for a Junior ISA is lower. This year it’s £9,000.
ISA allowances for the 2025/2026 tax year
| Account | Maximum contributions (2025/2026) | Eligibility |
|---|---|---|
| Cash ISA | £20,000 per year | - UK resident - Aged 18+ for the HL Cash ISA. You can open one from 16 with other providers |
| Stocks and Shares ISA | £20,000 per year | - UK resident - Aged 18+ |
| Lifetime ISA | £4,000 per year until age 50 (contributions also count towards your £20,000 ISA allowance) | - UK resident - Aged 18+ |
| Junior Stocks and Shares ISA | £9,000 per year | - Parents or guardians can open a Junior ISA for their child, if the child is a UK resident - Anyone born between 1 September 2002 and 2 January 2011 who is under 18 will need to have transferred their Child Trust Fund to a Junior ISA to open an account |
Tax rules can change and benefits depend on individual circumstances.
Open an HL Cash ISA
Once you’ve decided to save, you can open your Cash ISA in minutes. Once open, you can spread your ISA allowance across the products provided by our banking partners, all in the same tax year.
You'll just need your National Insurance number to hand. Make a one-off debit card payment and top up whenever you like.
Two simple ways to open a Cash ISA
Debit Card
Get started from as little as £1.
Cash Hub
If you hold an Active Savings account, you can use money available in your cash hub.
More about Cash ISA limits and rules
You must be 18 or over and a resident in the UK for tax purposes to hold an HL Cash ISA. Crown employees, or those married or in a civil partnership with a Crown employee, may also qualify. This account can only be opened in a sole name.
You can top up your HL Cash ISA using your debit card, or from your HL Active Savings cash hub.
Once you’ve opened your HL Cash ISA, you‘ll need to make a deposit into a savings product to officially open the Cash ISA.
Transferring money between ISAs does not count towards your ISA allowance.
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Help & Support
If you have any questions about the ISA allowance, you can speak to one of our client support experts.