Cash ISAs, Stocks & Shares ISAs and savings rules
The ISA rules are changing: a £12,000 Cash ISA cap from April 2027, a one-way transfer door and a new tax on cash held inside a Stocks & Shares ISA. These guides explain what each change means for under-65s, what to do before the deadlines, and where your savings should sit in the meantime.
15 articles · updated as rates and rules change
Workplace Pensions at 18: What the Auto-Enrolment Age Change Really Means (2026)
Auto-enrolment could drop to age 18, but it hasn't yet and no start date is set. Here's what is actually law, what is only a power on paper, and what 18-21s can do now.
Cash ISA vs Premium Bonds (2026): Where Should Your Emergency Fund Actually Sit?
Premium Bonds now pay a 4.35% prize rate, but the top cash ISA pays 4.61% guaranteed and tax-free. Here's which suits your emergency fund in 2026.
Gen Z vs Millennials in the UK: Who's Actually Better at Saving in 2026?
Gen Z vs millennials UK 2026: Gen Z save more often (42.4% in Q2), millennials hold more on average. Here's what the data actually means for you.
Lightyear Cash ISA vs Trading 212 Cash ISA (2026): Which Actually Pays More?
Lightyear pays 3.75% AER with no bonus. Trading 212 pays 3.60% plus a 12-month bonus of up to 4.61%. Here's which Cash ISA actually pays more, and when.
How to Build an Emergency Fund in the UK With No Safety Net (2026)
How to build an emergency fund in the UK from £0 with no family safety net — 2026 savings rates, the Help to Save 50% bonus, and where to keep it.
Fixed vs Easy-Access Cash ISA (2026): Should You Lock In Before Rates Fall Again?
Fixed cash ISAs pay up to 4.85% and the best easy-access deals 4.56% with a bonus. Here's how to decide which to use in 2026 — and what April 2027 changes.
The ISA One-Way Door: From April 2027 You Can't Move Money Back to a Cash ISA
From 6 April 2027, under-65s can't transfer a stocks and shares ISA into a cash ISA. Here's what the one-way rule means and what to do before then.
Can You Have Two Stocks & Shares ISAs? The 2026 Rules (and When a Second One Is Worth It)
Yes — since April 2024 you can pay into more than one stocks and shares ISA in the same tax year. Here are the 2026/27 rules and when a second one helps.
Trading 212 Cash ISA Review 2026: Is the Promo Bonus Rate Actually Worth It?
Trading 212 Cash ISA pays 3.60% base plus a 12-month bonus (around 4.53% AER). Our 2026 review checks the rate, safety and catches before you sign up.
Where to Hold Cash in a Stocks & Shares ISA After April 2027 (Money Market Funds Explained)
From April 2027, cash in a Stocks & Shares ISA faces a 22% charge. Money market funds are exempt — here's where to actually hold cash instead.
Lifetime ISA Reform 2026: Should You Still Open One Before the New First-Time Buyer ISA?
The Lifetime ISA is being replaced by a First-Time Buyer ISA from April 2028. Here's whether it's still worth opening a LISA in 2026 — and who should wait.
Best Cash ISA Rates (July 2026): Use Your Full £20,000 Before the April 2027 Cut
Best cash ISA rates for July 2026: top easy-access and fixed deals, the April 2027 £12,000 allowance cut, and how to use your full £20,000 now.
Best Junior ISA UK (2026): Stocks & Shares vs Cash JISA, and Which Wins Long-Term
Best Junior ISA UK (2026): Cash JISA vs Stocks & Shares JISA over 18 years, the £9,000 allowance, fees, rules — and which usually wins long-term.
How to Move From a Cash ISA to a Stocks & Shares ISA in 2026 (Step by Step)
Move a Cash ISA into a Stocks & Shares ISA without losing your tax-free wrapper. The 2026 transfer process, timings, costs and the April 2027 one-way rule.
Cash ISA Allowance Cut to £12,000: What Under-65s Should Do Before April 2027
The Cash ISA allowance drops to £12,000 for under-65s from April 2027. What it means, what's NOT changing, and how to adapt — without losing tax-free status.