ISA deadline: 5 April 2027

You have until Monday 5 April 2027 to use your 2026/27 ISA allowance of £20,000. Unused allowance is lost. From 6 April 2027, if you're under 65, only £12,000 a year can go into cash ISAs.

Paid into cash ISAs since 6 April 2026 (£)

Paid into stocks & shares / IF ISAs (£)

Paid into a Lifetime ISA (£, max £4,000)

Your age on 5 April 2028

Before the deadline

Don't leave it to 5 April. Payments need to reach the provider in time, and some set earlier cut-offs for new accounts and debit card payments. Check your provider's cut-off.
Transfers don't use allowance. Moving old ISAs to a better rate doesn't count towards the £20,000, as long as you use the provider's ISA transfer process. Don't withdraw the money yourself.
Flexible ISAs let you take money out and put it back in the same tax year without using more allowance. Not all ISAs are flexible.
Lifetime ISA: up to £4,000 counts within the £20,000 and gets a 25% bonus.

What changes on 6 April 2027 (under-65s)

The cash ISA limit is £12,000 a year. The overall limit stays £20,000, so the other £8,000 can go into stocks & shares or Innovative Finance ISAs.
You can no longer transfer from a stocks & shares or IF ISA into a cash ISA.
Interest paid on cash held inside a stocks & shares ISA will face a 22% charge.
If you're 65 or over (by the end of the tax year), you keep the £20,000 cash ISA limit.

Source: GOV.UK: cash ISA limit reduction and GOV.UK: Individual Savings Accounts. Track the whole year with the ISA allowance tracker.

£7UK Bills & Budget Planner

See every bill as one monthly number, and stop direct-debit surprises.

A Google Sheets and Excel planner that turns every bill into a monthly cost, and covers council tax, energy readings, a monthly budget and a savings goal.

Get it for £7 →

Instant download · Google Sheets & Excel · Secure checkout by Payhip

…or get all 10 paid templates for £15 in the UK Bundle (worth £54).

We make and sell this template (Tidy Life Templates).

£15UK Money & Life Templates Bundle (10 templates)

All 10 paid templates (worth £54) for £15: £1.50 each.

Every paid Tidy Life template in one download: budget, bills, debt, Self-Assessment, landlord & MTD, Christmas, January reset, Vinted, house move, meal plan and job hunt.

Get it for £15 →

Instant download · Sheets, Excel & Notion · Secure checkout by Payhip

Launch offer: code FIRST10 takes 10% off at checkout (first 10 orders only).

We make and sell this template (Tidy Life Templates).

FAQs

When is the ISA deadline in 2027?

Monday 5 April 2027 for the 2026/27 allowance. Check your provider's cut-off, which may be earlier.

Can I still put £20,000 in a cash ISA?

Yes, until 5 April 2027. From 6 April 2027, under-65s can put up to £12,000 a year into cash ISAs, within the £20,000 overall limit.

Does transferring an ISA use my allowance?

No, as long as you use an ISA transfer rather than withdrawing the money and paying it back in.

Related calculators & guides

Tax year-end checklist · Pension annual allowance · Marriage Allowance · Claim a tax refund (free) · ISA allowance tracker · Savings goal