Top cash ISAs 2025/26
Up to 5.05% easy access or up to 4.3% fixed
A cash ISA is just a savings account where you'll never pay tax on the interest – and in the 2025/26 tax year, you can put up to £20,000 into one or more if you're 18 or over. This guide helps you decide if you need an ISA, plus has all the top picks.
This guide was originally written by Martin Lewis and is now updated by the MSE Money Team.
Top-pick cash ISAs
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Easy access, allows withdrawals
Moneybox – '5.05%' (for 12 months)
Trading 212 - '5.05% (for 12 months)
Leeds BS – 4.41% (top 'big name') -
Fixed-rate ISAs (with access)
Close Brothers – 4.3% for one year
Progressive BS – 4.3% for two years
Other MSE savings guides...
Top savings accounts: The top-paying normal savings
Regular savings: Up to 7% interest if you can save monthly
Children's savings: Earn 5% on kids' savings
Current accounts: Get up to 5% on smaller sums
What is a cash ISA?
Cash ISAs are just savings accounts you NEVER pay tax on. Everyone in the UK aged 18 or over gets an ISA allowance at the start of each tax year – for 2025/26, which ends on 5 April 2026, it's £20,000.
Just like normal savings, cash ISAs come in different types. There's easy access, where you withdraw whenever you want, and fixed rate, where you get a guaranteed rate but are supposed to lock cash in for a set time.
Who are ISAs best for?
Since 2016, the personal savings allowance (PSA) means you get a tax-free amount of interest, earnable in any savings...
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Basic 20% rate taxpayers can earn up to £1,000/year tax-free interest
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Higher (40%) rate taxpayers can earn £500/year tax-free
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Top (45%) rate taxpayers don't get a PSA
Remember, that's the interest you can earn, so you need a lot of savings to generate it. And with very low savings interest rates between 2016 and 2022, very few paid tax on savings interest. At one point, you needed around £250,000 in top easy-access savings to generate it.
But, now rates have risen, basic rate taxpayers only need around £20,000 in normal savings to pay tax on it, and higher-rate around £10,000...
Unusually, easy-access ISAs are currently offering higher rates than normal savings, making this the perfect time to maximise your tax-free ISA allowance. You should consider opening (or keeping) a cash ISA if you:
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Already pay tax on savings interest. Here opening a cash ISA rather than saving in normal savings is a no brainer.
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Are near the limit where you'll earn enough interest to pay tax on interest. If that's the case, money in cash ISAs now could protect you from future tax.
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Are happy to lock cash away but may just need to access it. Fixed cash ISAs must let you withdraw money (for a big interest penalty). Normal savings accounts lock your money away with no access.
Might I still be better off in normal savings even if I pay tax?
Currently, the answer is no. However, if you did want to check here's a simple method to help you compare. Take the rate on the ISA you're looking at and multiply it by:
- 1.25 if you're a basic-rate taxpayer
- 1.66 if you're higher-rate taxpayer
- 1.82 if you're a top-rate taxpayer
The result of that sum is the rate you need to get on normal savings for it to be the winner. If normal savings don't pay more than that, then you're better off in the cash ISA.
Cash ISA need-to-knows
To help you work out if opening a cash ISA is right for you, it's worth getting your head around the following need-to-knows...
Many old ISAs now pay appalling rates, so check yours now. If they don't come close to the current top picks, you can transfer to boost them, but you must do it correctly. Consolidating new and old cash ISAs into one new shiny ISA makes it much easier to transfer again in future. You can also transfer an ISA without paying any new money in.
We note in all our top picks below whether an ISA allows transfers into it.
How to transfer an ISA
Transferring an old ISA is a technical process – it's not just like switching a normal savings account. Yet as long as you abide by the golden ISA transfers rule, it should go smoothly.
If you want to transfer, never withdraw money from a cash ISA! You'll immediately lose all the lasting tax benefits.
Instead, speak to the new provider and fill in an ISA transfer form. Your new provider should then sort it all out, including moving the money over for you – keeping your ISA cash permanently tax-free.
The banks have agreed to a guideline of 15 working days for the transfer to take place, so you should begin to receive interest within this time. If it goes much over 15 working days, it's worth complaining to the ISA provider to see if it can speed it up, or at least compensate you if the delay means you lose a decent chunk of interest.
Can I transfer more than one old ISA into a new one?
Consolidating all your old ISAs into one is allowed, and often a good way of upping the rate on your whole wodge of ISA cash, because providers regularly slice rates on the money you've saved in previous years.
To do this, just tell the new provider you want to transfer in from multiple old ISAs. However, watch that it doesn't push your combined savings with one financial institution over £85,000, as then you'd no longer be within the UK's savings safety limit (read Are your savings safe?).
Is there any reason not to transfer?
You may be charged a penalty by your current provider for transferring out. This is not common these days (except on fixed ISAs if you leave during the term), but always check, especially if your accounts are old.
A small penalty such as 30 days' lost interest isn't such a big issue, but a higher fee essentially locks you in, as the gain from switching is gazumped by the transfer charge. If your ISA has a penalty for leaving, work out whether you'll be better off by switching to the better interest rate.
Can I transfer my ISA to somebody else?
No, unfortunately not. You can withdraw the cash and give it to someone else but once money is taken out of an ISA, it loses its tax-free status – unless interest is then covered by your (or their) personal savings allowance. You also can't open a joint ISA with somebody else – ISA stands for 'individual savings account'. You get one ISA allowance each and that's it.
Can I transfer a stocks & shares ISA into a cash ISA?
This depends on the provider. Most providers allow you to transfer stocks & shares ISAs into cash ISAs and vice versa, however some only allow transfers in from other cash ISAs. So it's worth checking with the provider before you open the account.
Can I do a partial ISA transfer?
Yes, you can transfer all or part of an ISA deposit to a new ISA provider at any time. This can be current tax year subscriptions or money from past years. Following changes to the ISA rules on 6 April 2024, you can now do a partial transfer of current year subscriptions, as well as a full transfer.
Some cash ISAs are flexible meaning you can replace cash withdrawn from them in the same tax year without it using up your year's ISA limit.
In practice, this means that if you had £1,000 in a flexible cash ISA you could withdraw £500 and replenish it later in the tax year without affecting your ISA limit.
Just note that you must replace the money in the same flexible ISA for it not to count towards your £20,000 allowance.
A £500 withdrawal from a non-flexible ISA would reduce your annual ISA limit even if you later deposited £500 back into the account.
We note in our top picks below whether or not the ISAs are flexible – for full info on the flexibility, see Flexible ISAs.
The Lifetime ISA (LISA) launched on 6 April 2017 and offers a 25% state bonus on your savings, if you use them towards buying a first home or for retirement. You can only open one if you're aged between 18 and 39.
You can save a maximum of £4,000 a year into a LISA and use the bonus to buy property worth up to £450,000. However, access your money for anything other than purchasing a first home or for retirement aged 60+ and you'll pay a 25% withdrawal penalty. You can open LISAs and cash ISAs in the same tax year. Full info is in our Lifetime ISA guide.
Cash in an ISA stays tax-free as long as it's in there. The aim's to protect more of your money which is why we nag you about using the full ISA allowance if you can.
If you miss a year now, you might regret it five years later. If you've big savings, you can gradually protect more and more of your cash. Savers who opened ISAs when they were first introduced in 1999 could now be sitting on a good tax-free lump sum (up to £241,520 plus interest when using the 2023/24 allowance).
Each tax year (6 April until the next 5 April), everyone aged 18 or over gets a new ISA allowance. But if you don't use it, you lose it.
Once that year's closed, you can't put another penny in that specific ISA allowance. So if you put aside nothing in the 2023/24 tax year, when the maximum was £20,000, that's it – it's gone. Or if you put £2,000 in during 2023/24, you can't now top it up as that tax year is closed.
If you do deposit the cash in time, you can keep it in there, tax-free, for as long as you like. Then, as soon as the new tax year starts on 6 April, you can deposit a whole new year's allowance.
You can now open and pay into multiple cash ISAs in the same tax year – for example, a fixed-rate cash ISA and an easy-access one. And since the ISA rule changes on 6 April 2024, you can even open multiple ISAs of the same type – like two easy-access cash ISAs with different providers.
However, just because the rules allow this, doesn’t mean every provider supports it. Some ISA providers still only let you open or contribute to one cash ISA of each type with them per tax year, so always check with the provider first.
And remember that the total paid in per tax year across all ISA types can't exceed your £20,000 ISA allowance.
Safety for savings held in ISAs works the same as with normal savings. So provided your money is in a UK-regulated bank or building society account, it's protected under the Financial Services Compensation Scheme (FSCS). Its golden rule counts for cash ISAs too...
The first £85,000 per person, per financial institution is guaranteed
While that sounds simple, the exact rules are more complex – not every bank in the UK is UK-regulated and there are complicated rules involving how different banks are registered and what counts as a 'financial institution'. For full info about the rules, see our detailed Are your savings safe? guide.
How to maximise safety
If you've more than £85,000 of savings (including cash ISAs and others) in one bank, then, in the unlikely event it went bust, only the first £85,000 is fully guaranteed. So for total peace of mind, don't put more than this in any one institution. Spread it around instead.
The cash ISAs we include in this guide are all from banks protected by the UK's Financial Services Compensation Scheme.
You can transfer your ISA to another provider to boost the rate – but it's vital you do it the right way
Cash ISAs can be flexible – letting you replace withdrawn cash
If you're saving for a first home or retirement, consider a Lifetime ISA
Cash in an ISA stays tax-free YEAR AFTER YEAR
If you don't use your ISA allowance by the end of the tax year, you lose it
You can open and pay into multiple cash ISAs in the same tax year
Your savings are protected up to £85,000 per person per financial institution in an ISA
Top easy-access cash ISAs
Easy-access cash ISAs let you take out your money when you want, without penalty – so are a good option if you know you'll be dipping into your savings, or you're not sure. If you'd rather a guaranteed interest rate, you may need to sacrifice this flexibility and lock cash away in a fixed cash ISA. There are some important things to note about ISAs which differ from standard savings accounts...
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Rates on these accounts are variable. This means they can go up or down. You'll be notified of any change, but you should regularly check the table below for the current top payer. If your account is lagging behind, you may be able to transfer to a new cash ISA, though it works differently to switching a standard savings account.
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If you want to transfer, don't withdraw your cash and transfer it manually. You'll lose all tax benefits if you do. Instead, speak to the new provider and fill in an ISA transfer form. Your new provider will then move the money over for you – keeping your ISA cash permanently tax-free.
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Only some cash ISAs are 'flexible'. A flexible ISA means you can replace cash withdrawn from it in the same tax year into the same cash ISA without it using up your year's ISA limit. If a cash ISA isn't flexible, all deposits count towards your ISA allowance, irrespective of any withdrawals.
Top easy-access cash ISA rates currently beat normal savings. So even if you don't need tax-protection they're worth considering.
Top rate. pays 5.05%, including a 1.05% newbie bonus fixed for a year, and allows unlimited penalty-free withdrawals. It's matched by 's 5.05%, which includes a 12-month 0.7% bonus. Both are solid picks if you want a decent rate without having to think about it for a year. But keep in mind that underlying rates are variable, so they could change at any time.
Prefer a more well-known name? Leeds BS pays the top 'big name' rate at 4.41% with unlimited penalty-free withdrawals.
Top rate with a short-term bonus. Another account offers newbies a headline rate of 5.71% (made up of 4.2% variable interest plus a 1.51% newbie bonus for the first three months). But as that bonus is short-lived, the effective rate over a year is 4.6%, so it only really pays off if you’re on the ball and ready to move your money after three months. It's not a , and you’re limited to three penalty-free withdrawals a year – go over that, and the rate drops to just 0.75%.
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Top cash ISAs. All have the full £85,000 savings protection. |
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Top paying accounts(In rate order – see what we'd go for above) |
Top well-known name accounts(As many tell us you prefer names you know) |
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, '5.05%'
- 4% variable + 12mth 1.05% newbie bonus
- Min. £500,
Max. £20,000
- Open online or via app
- Interest paid: annually
- Is not a |
Leeds Building Society, 4.41% (matures 2 June 27)
- Min. £1,000,
Max. £20,000
- Open online
- Interest paid: annually
- Is not a |
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, '5.05%'
- 4.35% variable + 12mth 0.7% newbie bonus
- Min. £1,
Max. £20,000
- Open online or via app
- Interest paid: monthly
- Is a |
- 3.81% variable + 1yr 0.49% bonus
- Min. £1,
Max. £20,000
- Open online
- Interest paid: monthly
- Is not a |
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, '5.04%'
-3.54% variable + 12mth 1.5% newbie bonus
- Min. £100,
Max. £20,000/yr tax-free
- Open via app
- Interest paid: monthly and annually
- Is not a |
Only three penalty-free withdrawals per year
Virgin Money, 4.06%
- Min. £1,
No max
- Open online
- Interest paid: monthly or annually
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, 4.8%
- Min. £10,
Max. £20,000
- Open via app
- Interest paid: monthly
- Is not a |
Post Office*, 4.05%
- 1.25% variable + 1yr 2.8% bonus
- Min. £100,
Max. £20,000
- Open online
- Interest paid: annually
- Is not a |
Higher rates, due to short-term newbie bonuses.We’ve calculated the effective rate over one year – what you’d actually earn if you stayed in for a year (though rates remain variable). |
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, 4.6% (effective 1yr rate)
- Headline rate: '5.71%' (4.2% variable + 3mth 1.51% newbie bonus)
- Min. £500,
Max. £20,000
- Open online or via app
- Interest paid: annually
- Is not a |
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All rates are AER. |
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Non-standard cash ISAs
We've not added the accounts below to our best buys table due to how they hold deposited funds. With these cash ISAs, your deposit will be held in something called a 'qualifying money market fund' (QMMF) – these tend to be low-risk investments, such as Government bonds.
While this type of holding can be covered by FSCS, the FSCS couldn’t confirm this to us 100%. It told us that it depends on a number of factors and that it determines whether FSCS applies on a case-by-case basis. So while the risk of not getting your money back is likely quite low, we’ve erred on the side of caution. Your view may vary. For more information on how FSCS protects investments, please visit the FSCS website.
CMC Invest's easy-access cash ISA* pays newbies 5.7% AER variable interest - this is comprised of an underlying 4.85% AER variable interest plus a three-month 0.85% AER fixed rate bonus. The account offers unlimited penalty-free withdrawals. It's a flexible ISA, it accepts transfers in and interest is paid monthly. You can open the account via mobile app (min £1).
You can read more on how your money is protected on its website.
CMC Invest's 5.7% easy-access cash ISA
Top fixed-rate cash ISAs
Fixed-rate savings are designed to lock money away for a set period and offer rate security in return. Yet by law, cash ISA providers MUST allow you to access your money. However, some require you to close the account or transfer out to get your cash. And most will levy heavy penalties on withdrawals – anywhere between 60 and 365 days' worth of interest.
If you're opening a fixed cash ISA, you'll usually need to put the amount you're saving in it within two-to-four weeks, though it varies across providers and sometimes they give you longer. So if you want to use up your annual £20,000 ISA allowance each year, you'll need an easy-access ISA or to open additional fixed accounts each tax year.
Already have a fixed-rate ISA? Rates have shot up recently, and, since ISAs let you withdraw early for an interest penalty, it may be better to switch. Use our ISA switching calc to check.
There's currently little difference in rate between the top shorter and longer fixes – so there's not much incentive to lock in for longer, unless you want absolute certainty of returns over a longer period. And remember, if you don't need the tax benefits of an ISA, normal savings pay higher rates.
Close Brothers pays the top rate for a one-year fix at 4.3%, while the top two-year fix is paid by Progressive BS at 4.3%. If you'd prefer to fix for longer, Close Brothers also pay top for three- and five-year fixes at 4.25% and 4.3%, respectively (both min £10,000).
Prefer a more well-known name? pays the top one- and two-year fixes at 4.25% and 4.1% respectively.
A PS about Close Brothers. It’s in the table below, where we list based on the top rates. We’ve had a few questions about it, as its share price plunged on the back of its exposure to car finance misselling – likely why it wants to attract savers money. Crucially, like all regulated banks, you’ve full UK savings safety guarantee up to £85,000 per person, per institution. If you’ve more than that, with any bank we’d suggest you’re careful and limit exposure, and that certainly applies here.
Top one-year fixed ISAs
| Provider | Rate - AER | Minimum Deposit | How to open? | When can I access interest? | |
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Top paying accounts. Listed in rate order. |
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| Close Brothers | 4.3% | £10,000 | 90 days' interest | Online (can transfer in) | At maturity |
| Charter Savings Bank | 4.27% | £5,000 | 90 days' interest | Online (can transfer in) | Monthly or at maturity |
| Castle Trust Bank | 4.26% | £1,000 | 90 days' interest | Online / app (can transfer in at application) | At maturity |
Top rates from big names. As we know some prefer to save with bigger brands. |
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| 4.25% + £50 voucher | £500 | 120 days’ interest | Online / app / branch / phone (can transfer in) | At maturity | |
| Lloyds Bank | 4.25% | £3,000 | 90 days' interest | Online / app / phone / branch (can transfer in) | Monthly or at maturity |
Ways to boost your interest. Decent rate from an online 'savings platform'. |
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| 4.36% | £1,000 | 90 days' interest | Online | At maturity | |
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All have Financial Services Compensation Scheme savings protection of up to £85,000. (1) Penalty depends on the number of days remaining when you withdraw – full details are in the yellow box on page five of the terms and conditions. |
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Top two-year fixed ISAs
| Provider | Rate - AER | Minimum Deposit | How to open? | When can I access interest? | |
|---|---|---|---|---|---|
Top paying accounts. Listed in rate order. |
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| Progressive BS | 4.3% | £500 | 180 days' interest | Branch/ post (can transfer in) | At maturity |
| Close Brothers | 4.26% | £10,000 | 150 days' interest | Online (can transfer in) | At maturity |
| Aldermore | 4.2% | £1,000 | 180 days' interest | Online ( can transfer in) | Monthly and at maturity |
Top rates from big names. As we know some prefer to save with bigger brands. |
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| 4.1% + £50 voucher | £500 | 120 days’ interest | Online / app / branch / phone (can transfer in) | At maturity | |
| Nationwide | 4.1% | £1 | 120 days' interest | Online / app / branch (can transfer in) | Annually or at maturity |
Ways to boost your interest. Decent rate from an online 'savings platform'. |
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| 4.4% | £1,000 | 180 days' interest | Online | At maturity | |
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All have Financial Services Compensation Scheme savings protection of up to £85,000. (1) Penalty depends on the number of days remaining when you withdraw – full details are in the yellow box on page five of the terms and conditions. |
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Top three-year fixed ISAs
| Provider | Rate - AER | Minimum Deposit | How to open? | When can I access interest? | |
|---|---|---|---|---|---|
Top-paying accounts. Listed in rate order. |
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| Close Brothers | 4.25% | £10,000 | 270 days' interest | Online (can transfer in) | At maturity |
| Ford Money | 4.2% | £500 | 270 days’ interest | Online (can transfer in) | Monthly, annually or at maturity |
| Buckinghamshire BS | 4.15% | £1,000 | 365 days’ interest | Online/ post/ branch (can transfer in) | Annually or at maturity |
Top rates from big names. As we know some prefer to save with bigger brands. |
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| Yorkshire Building Society | 4.05% | £100 | 270 days' interest | Online (can transfer in) | Annually or at maturity (matures 30 April 2028) |
| Skipton Building Society | 4% | £1,000 | 240 days' interest | Online / app / post / branch / phone (can transfer in) | Annually or at maturity |
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All have Financial Services Compensation Scheme savings protection of up to £85,000. |
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Top five-year fixed ISAs
| Provider | Rate - AER | Minimum Deposit | How to open? | When can I access interest? | |
|---|---|---|---|---|---|
Top-paying accounts. Listed in rate order. |
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| Close Brothers | 4.3% | £10,000 | 365 days' interest | Online (can transfer in) | At maturity |
| Hinckley and Rugby | 4.25% | £500 | 365 days' interest | Branch/ post (can transfer in) | Annually |
| Shawbrook Bank | 4.12% | £1,000 | 360 days' interest | Online (can transfer in at application) | Monthly, annually or at maturity |
Top rates from big names. As we know some prefer to save with bigger brands. |
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| Skipton Building Society | 4% | £500 | 365 days' interest | Online / app / branch / post / phone (can transfer in) | Annually or at maturity |
| Halifax | 3.7% | £500 | 365 days' interest | Online / app / phone / branch (can transfer in) | Monthly, annually or at maturity |
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All have Financial Services Compensation Scheme savings protection of up to £85,000. (1) Penalty depends on the number of days remaining when you withdraw – full details are in the yellow box on page five of the terms and conditions. |
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How do online savings platforms work?
Savings platforms, or savings marketplaces, offer accounts from the various banks that they partner with – often at higher rates than are available direct with that bank. Essentially it's a way to easily switch between accounts, though rates are not always as good as the ones above. Big names in this space include Raisin, Flagstone and Hargreaves Lansdown Active Savings.
Want to complain about your savings provider?
If your savings provider has given you the incorrect interest rate, or you haven't received your interest at all, then you don't have to suffer in silence.
It's always worth trying to call your provider first to see if it can help, but if not, you can use free complaints tool Resolver. The tool helps you manage your complaint, and if the company doesn't play ball, it also helps you escalate your complaint to the free Financial Ombudsman Service.
Cash ISA FAQs
Here are some common ISA-related queries. If you've got a question we've not answered below or in the text above, suggest a question in the MSE Forum.
Yes, and you should. You can transfer ISA cash any time, whether that's in full or only part of your balance. It doesn't matter if this is current tax-free subscription or cash from ISAs opened in past years.
Any interest paid stays within the ISA wrapper but doesn't form part of your £20,000 limit. The limit is on what YOU put in to the ISA each tax year. You didn't put the interest in, the savings provider did. So you're fine.
If you want to access the cash, monthly because you can access it quicker, if not there's no difference. You might be thinking this because you've found an account that list different rates, for example a one-year fix paying 4.52% annually or 4.43% monthly.
This is a technical, not a real, difference. The annual rate includes compound interest. The monthly rate has to assume you withdraw the interest each month, so you don't get interest on the interest. If you don't withdraw it, it would compound and you'd have the same amount.
It's just a savings account you don't pay tax on, so if the rate is higher than normal savings, even if you won't pay tax on interest, then yes. Put what you have in there, and it may just mean if you did come into more money in future, you've got more room to protect that too.
Yes. You've always been able to from past years' ISAs, but since April 2024 you've been able to open more than one in the current year too (for example, a fix and an easy access) just as long as you're not putting in more than £20,000 in total.
Yes, both as then they can all be with the top payer, and as it makes it far easier administratively, as then they're all in one place and if the rate drops in future it's simpler to transfer in one go. There are two main exceptions...
- If you wanted different types on the go (say easy-access and a fix)
- If the total is over the £85,000 savings safety limit, in which case you may want to spread it across a couple of providers.
If that's your aim, for an easy life, when the first fix matures, transfer it to a top rate easy-access cash ISA, then keep transferring the others into the same one when they mature. Once they've all matured, then you could transfer all to a fix.
Of course, there’s a risk you might miss the best fix rates, but right now the top easy-access rates pay slightly more than fixes anyway, so hopefully it will work out well for you. You can't do it directly to a fixed cash ISA because you have to fund them within the first 30-90 days.
MoneySavingExpert.com is a national website serving England, Scotland, Wales and Northern Ireland. So we try to feature accounts open to everyone, which means you need to be able to open them online, by phone or by post.
Branch-based accounts are more difficult, as unless the account is offered by one of the big banks it's unlikely that everyone will be able to reach a branch. For example, someone in Carlisle couldn't access branch-based accounts offered by Suffolk Building Society as there isn't one close by.
It's always worth looking at local building societies and banks as they can occasionally have a corking branch-based account. But because we're a nationwide site, we can't feature them all.
If you're married or in a civil partnership, if your partner dies you can inherit a one-off extra ISA allowance on top of the annual £20,000, up to the total amount they had saved in ISAs. These are known as 'additional permitted subscriptions' (APS).
You have a few choices. You can simply keep the ISA with the same provider, move it to a different provider that accepts APS (not all do), or the ISA goes to someone else but you get the extra allowance. To claim your allowance, you'll need to give your partner's full name, address, date of birth and date of death, your marriage/civil partnership certificate and their national insurance number if you know it. Some providers may also require a copy of their death certificate.
The allowance you'll inherit will depend on when your partner died:
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Before 6 April 2018. You'll inherit an allowance equivalent to the total value of your partner's ISAs at the date of death.
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On or after 6 April 2018. You'll inherit an allowance equivalent to the total value of the ISAs once their estate is settled, when their ISAs are closed, or at the third anniversary of their death, whichever is earliest – so any growth in value will be taken into account.
The inherited allowance is available to make use of for three years after your partner has passed away, or 180 days after the completion of their estate, whichever is later.
Note that inheriting the allowance is not the same as inheriting the cash in the ISA – your partner could, for example, leave some or all of their ISA money to someone else. You'd still get the extra allowance, but would have to fund it with your own savings.
If you're not married or in a civil partnership, you won't inherit any extra allowance.
If I open and pay in to an ISA in the current tax year, then the rate drops, can I move it?
Is the interest paid into an ISA part of your £20,000 cap?
If you can choose between receiving interest monthly or annually, which is best?
Is it worth opening a cash ISA even if you aren't going to use your full allowance of £20,000?
Can I have multiple different cash ISAs in the same tax year?
Is it worth combining all my old cash ISAs into one place?
How do I combine my fixed rate cash ISAs if they all mature on different dates?
My building society or bank has a better rate than accounts here. Why isn't it featured?
What happens to a cash ISA if the holder has passed away?
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