Starting April 1, 2027, cash ISA limits for those under 65 are slashing from £20,000 to £12,000 annually—forcing savers to rethink their tax-free strategy. The government’s pushing money into investments, letting you still save the full £20,000 but forcing cash into a smaller bucket. Pensioners stay untouched. Experts urge you to max out your current limit before the change. Beyond £12,000, extra cash must go into stocks and shares ISAs—with a 22% charge on any interest earned. It’s not just a tweak—it’s a nudge toward smarter, more active investing.
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