Yorkshire Building Society Savings Rates 2026: Accounts & ISAs

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Independent UK YBS Savings Rate Guide

Yorkshire Building Society Savings Rates 2026: Accounts & ISAs

Yorkshire Building Society savings rates in 2026 vary significantly depending on how often you need access, whether you already qualify for a loyalty product and whether you want ordinary taxable savings or a Cash ISA. The rate alone is not enough: a 4%+ account can still be the wrong choice if its withdrawal rule does not match how you use your money.

This guide compares the main YBS savings routes, explains the rate and access conditions that matter, covers the 2026/27 Cash ISA allowance and shows existing customers how to check the rate on an older account rather than assuming it matches today’s new-customer deals.

Compare Live YBS Savings Rates Compare YBS Cash ISAs Open Official YBS Login
Independent website notice: Building-society.org is not Yorkshire Building Society. We cannot view a savings balance, transfer money, open or close an account, move an ISA or change your YBS security details. Never enter your YBS password, app passcode, security code or complete account details on this website.

Rate review: 18 September 2026. Savings rates and limited-offer account issues can change or be withdrawn without notice. Rates below are dated examples from YBS’s current pages and 2026 product terms; always re-check the live account before applying.

Yorkshire Building Society Savings Rates: Quick Answers

Headline YBS savings example Triple Access eSaver: 4.20% Gross/AER variable when reviewed.
Triple Access opening balance From £1, with online/app management and withdrawals on any three days during the account year.
2026/27 ISA allowance £20,000 across qualifying ISA subscriptions from 6 April 2026 to 5 April 2027.
YBS Cash ISA types Easy access, limited access and fixed-rate Cash ISAs.
Easy-access ISA flexibility YBS states that its easy-access Cash ISAs are flexible ISAs.
Loyalty products Selected loyalty accounts require at least 12 months of qualifying YBS Group membership before application.
FSCS protection Eligible deposits are protected up to £120,000 per eligible person across relevant YBS Group brands combined.
Savings support 0345 1200 100, Monday-Friday 9am-5pm and Saturday 9am-1pm.
Most useful first question: how many times might you need the money during the next 12 months? That answer usually narrows the choice faster than simply sorting every account by the highest AER.

Yorkshire Building Society Savings Rate Snapshot: September 2026

These figures are useful for understanding the YBS range in 2026, but not every limited-offer issue remains open indefinitely. The Triple Access eSaver 4.20% rate was displayed on YBS’s live savings homepage during this review. Fixed and loyalty examples below are taken from YBS product terms published or available during 2026 and must be checked for current availability before application.

Live homepage rate 4.20% AER Triple Access eSaver Variable. Open from £1. Withdraw on any three days during the account year.
Loyalty product terms 4.85% AER Loyalty Regular Saver Variable. Save up to £250 per month for one year. Loyalty eligibility applies.
2026 limited-offer terms 4.55% AER Fixed Rate Bond to 31 July 2031 Fixed. Product terms show £1,000 minimum and no normal withdrawals before maturity.
2026 ISA product terms 4.40% AER Fixed Rate eISA to 31 July 2027 Tax-free fixed rate. £100 minimum in the published issue; early closure carries an interest penalty.
2026 ISA product terms 4.55% AER Fixed Rate ISA to 31 July 2031 Tax-free fixed rate. £100 minimum in the published issue; long fixed term and early-closure penalty apply.
Rate snapshot, not a promise of availability: YBS describes many fixed-rate products as limited offers that can be removed from sale without notice. Open the current savings comparison page and confirm the exact product name, issue and rate immediately before applying.

Official live comparisonYorkshire Building Society Savings Rate Comparison

After opening this link:

  1. Start with how much you want to save.
  2. Choose whether access, regular monthly saving, a fixed term or tax-free ISA treatment matters most.
  3. Check whether the rate is variable or fixed.
  4. Open the exact product and read its Product Terms.
  5. Check the minimum balance, maximum balance and withdrawal rule.
  6. Confirm the product is still open before transferring any money.

Which YBS Savings Account Type Fits Your Money?

Saving goal
Account type
Main condition to check
Emergency fund
Easy access
Variable rate, transaction method and whether the particular account has any practical withdrawal restriction.
Higher rate with occasional access
Limited access
Number of permitted withdrawal days and what happens if you exceed the limit.
Saving monthly
Regular saver
Monthly contribution limit, loyalty eligibility and withdrawal allowance.
Lump sum for a known future date
Fixed-rate bond
No-access period, funding deadline and whether early closure is permitted.
Tax-free cash savings
Cash ISA
ISA allowance, transfer process and whether you want easy, limited or fixed access.
Long-standing YBS customer
Loyalty account
Qualifying membership period and whether the enhanced rate justifies its account restrictions.
Do not use “highest rate” as the only filter. If money might be needed for an emergency, a lower-rate account with appropriate access can be more useful than a higher-rate account that restricts withdrawals or locks the balance away.

Triple Access eSaver: YBS’s 4.20% Headline Savings Example

Yorkshire Building Society currently features its Triple Access eSaver prominently on its savings pages at 4.20% Gross per year/AER variable. It is a limited-access rather than unrestricted easy-access account.

Current displayed rate 4.20% Gross/AER variable when reviewed.
Opening balance From £1.
Maximum balance The published product terms show savings up to £500,000.
Access Withdrawals can be made on any three days during the account year.
Management Opened and managed online, with app management supported.
Interest Calculated daily and paid once, one year after opening under the current product terms.
Three days means three withdrawal days, not three individual transactions. Read the current Product Terms before relying on that distinction, particularly if you expect several withdrawals during the year.

Official savingsYBS Savings Homepage

After opening this link:

  1. Check whether Triple Access eSaver is still the featured account.
  2. Confirm the live AER because the rate is variable.
  3. Open the full product terms.
  4. Check the withdrawal-year calculation based on your account opening date.
  5. Compare the rate with a true easy-access account if you may need frequent withdrawals.

YBS Regular Saver and Loyalty Regular Saver Rates

Regular savers are built for people adding money gradually rather than depositing one large lump sum. YBS says monthly limits commonly apply and access is usually more restricted than on an ordinary easy-access account.

Current YBS Loyalty Regular Saver product terms available during this review show a 4.85% Gross/AER variable rate, with deposits from £1 up to £250 per calendar month for one year. The product requires qualifying YBS Group membership for at least 12 continuous months before application.

Rate example 4.85% Gross/AER variable in the reviewed Loyalty Regular Saver terms.
Monthly saving Current reviewed terms allow up to £250 per calendar month.
Term Designed to build savings over one year.
Withdrawal rule The reviewed terms permit withdrawal on one day during the account year, with closure also available.
Loyalty eligibility A qualifying account must generally have been open continuously for at least 12 months before application.
Qualifying brands Eligibility can include qualifying relationships with YBS, Chelsea, Norwich & Peterborough and YBS Share Plans under current terms.
Why a regular saver’s headline AER can be misleading: if you add £250 each month, the full £3,000 is not earning the headline rate for the entire year. The first contribution earns for much longer than the final month’s contribution.

Official regular saversYorkshire Building Society Regular Savings Accounts

After opening this link:

  1. Check which regular saver issues are currently open.
  2. Look for loyalty eligibility before comparing the headline rate.
  3. Check the maximum monthly contribution.
  4. Read how many withdrawal days are permitted.
  5. Check what account your money moves into after the regular-saver period ends.

Yorkshire Building Society Fixed Rate Bonds

A YBS fixed-rate bond can suit a lump sum you know you will not need for the stated term. Unlike a variable saver, the interest rate stays fixed, but access can be much more restrictive.

2026 published product terms 4.55% AER Fixed Rate Bond to 31 July 2031 Published terms show £1,000 minimum, up to £2 million and no withdrawals or closure before 1 August 2031.
This is a long commitment. A five-year fixed rate gives certainty but also creates rate risk: if market savings rates rise later, your money can remain locked into the older rate until maturity.

A fixed bond may fit when

  • You have a lump sum rather than monthly spare cash.
  • You have a separate emergency fund.
  • You value a guaranteed rate.
  • You know the approximate date you will need the money.

Think twice when

  • The money may be needed unexpectedly.
  • You expect to add more money throughout the whole term.
  • You would be uncomfortable if market rates rose after fixing.
  • You need ISA tax treatment rather than an ordinary bond.

Official fixed savingsYBS Fixed Rate Savings Accounts

After opening this link:

  1. Separate fixed-rate bonds from fixed-rate Cash ISAs.
  2. Check the maturity date rather than relying only on “one year” or “five year” wording.
  3. Check the minimum deposit and funding window.
  4. Confirm whether withdrawals or early closure are allowed.
  5. Compare ordinary bond interest with your Personal Savings Allowance and tax position.

Yorkshire Building Society Cash ISAs in 2026

Yorkshire Building Society offers Cash ISAs rather than Stocks and Shares ISAs. YBS divides its range into easy-access, limited-access and fixed-rate Cash ISAs, giving savers a choice between flexibility and rate certainty.

Easy-access Cash ISA Variable rate, with withdrawals available under the individual account terms.
Limited-access Cash ISA Can pay a different rate in return for restricting the number of withdrawal days.
Fixed-rate Cash ISA Fixed rate for a stated term, with early closure normally causing an interest penalty.
2026/27 allowance £20,000 across your qualifying ISA subscriptions during the tax year.
YBS easy-access ISAs YBS states that all of its easy-access Cash ISAs are flexible.
One YBS Cash ISA subscription YBS currently states that you can subscribe to one Cash ISA with YBS in a tax year, while also using Cash ISAs with other providers within overall ISA rules.
Flexible ISA advantage: with a qualifying flexible Cash ISA, money withdrawn can generally be replaced during the same tax year without using additional ISA allowance, provided you follow the flexible-ISA rules for that account.

Official Cash ISA comparisonYorkshire Building Society Cash ISAs

After opening this link:

  1. Choose easy, limited or fixed access.
  2. Check the live tax-free AER.
  3. Read whether the ISA is flexible.
  4. Check the minimum deposit and funding deadline.
  5. If transferring an ISA, confirm that the specific account accepts transfers.
  6. Read any early-closure interest penalty on a fixed-rate ISA.

YBS Fixed Cash ISA Rate Examples Published in 2026

Fixed-rate ISA issues are limited offers, so these examples are most useful for understanding YBS’s 2026 pricing and product structure. Check the live Cash ISA page to confirm whether the exact issue is still open.

Published YBS ISA
Rate
Important condition
Fixed Rate Cash eISA to 31 July 2027
4.40% tax-free/AER
2026 product terms show £100 minimum; early closure before maturity carries a 90-day interest loss.
Fixed Rate Cash ISA to 31 July 2031
4.55% tax-free/AER
Long fixed term; published terms show a 360-day interest loss if closed early before 1 August 2031.
Longer fixed does not automatically mean better. A slightly higher long-term ISA rate can be poor value if you are likely to need the savings before maturity and would incur a substantial interest penalty.

How to Transfer a Cash ISA to Yorkshire Building Society

An ISA transfer is not the same as withdrawing cash and making a new deposit. If you want the money to remain within the ISA system, use the formal transfer process provided by the receiving account.

Official YBS ISA guidanceYBS Flexible ISA and Transfer Guidance

After opening this link:

  1. Choose the YBS Cash ISA you want to transfer into.
  2. Check that it accepts transfers from your existing ISA type.
  3. Open the new YBS ISA first if the transfer process requires it.
  4. If managing online, use the ISA transfer option inside the official YBS service.
  5. If the account is managed in branch or by post, use the transfer form YBS provides.
  6. Do not simply withdraw the old ISA and pay it into YBS unless you have confirmed that doing so preserves the tax treatment you require.
Transfer amounts are different from new subscriptions. A formal transfer of existing ISA money does not normally use your current year’s ISA allowance simply because it is transferred between providers.

Savings Interest, Personal Savings Allowance and Why an ISA Can Matter

Interest on ordinary savings accounts is paid gross, but you may still owe Income Tax if your total taxable savings interest exceeds the allowance available to you. Cash ISA interest is tax-free under ISA rules.

Income Tax band
PSA
Practical point
Basic rate
Up to £1,000
Interest above the available allowance may become taxable depending on your circumstances.
Higher rate
Up to £500
A competitive ordinary savings rate can use the allowance surprisingly quickly on a larger balance.
Additional rate
£0
Cash ISA tax treatment may therefore be particularly relevant, although individual circumstances differ.
£20,000 Current 2026/27 overall ISA allowance.
£12,000 Announced Cash ISA limit from 6 April 2027 for savers under age 65.
£20,000 Announced Cash ISA limit from 6 April 2027 for people aged 65 or over.
2027 change: YBS currently explains that from 6 April 2027 the Cash ISA contribution limit is due to reduce to £12,000 for people under 65, while the overall ISA limit remains £20,000. People aged 65 or over are due to retain the ability to put the full £20,000 into a Cash ISA. Check GOV.UK before the new tax year in case implementation details change.

Official YBS tax guideYBS Personal Savings Allowance Guide

After opening this link:

  1. Identify the Income Tax band relevant to your taxable income.
  2. Add savings interest across providers rather than looking at one YBS account alone.
  3. Check how much Personal Savings Allowance is available to you.
  4. Compare an ordinary savings rate with a Cash ISA after considering tax.
  5. Use GOV.UK or HMRC guidance for your actual tax liability.

Yorkshire Building Society Loyalty Savings Accounts

YBS uses selected loyalty accounts to reward longer-standing members. The rate can be attractive, but the first question is whether you meet the eligibility test.

YBS currently says loyalty applicants generally need an open savings or mortgage account with Yorkshire Building Society, Chelsea Building Society, Norwich & Peterborough Building Society or YBS Share Plans that has been held continuously for at least 12 months before application.

Loyalty does not mean permanent. The existence, rate and conditions of a loyalty product can change. Having been a member for 12 months does not mean every YBS loyalty account is automatically open to you forever.

Official loyalty accountsYBS Loyalty Savings Accounts

After opening this link:

  1. Check the current loyalty products on sale.
  2. Confirm the continuous-membership requirement.
  3. Check whether your Chelsea, N&P or YBS Share Plans relationship counts under that product’s rules.
  4. Compare the loyalty rate with the access restrictions.
  5. Compare it with suitable non-loyalty products before deciding.

Already Have a YBS Savings Account? Check Your Own Rate

Existing customers should not assume an older account pays the same rate as the newest issue with a similar name. YBS maintains tools and historical-rate information for current and withdrawn savings accounts.

Current new account

Use the live savings comparison page to see products available for new applications today.

Older existing account

Use YBS’s rate finder, online account/app or historical product-rate information to identify the rate attached to your exact account issue.

Account issue numbers matter. “Internet Saver”, “Access Saver” or another familiar name can have several historic issues with different rates and conditions.

Official historical ratesYBS Previous and Withdrawn Savings Rates

After opening this link:

  1. Find the exact account name and issue number from your statement or online account.
  2. Use the historical-rate document for that exact issue.
  3. Do not compare an older issue with today’s similarly named product as though they are identical.
  4. If the rate is unclear, call YBS savings support on 0345 1200 100.

Managing YBS Savings Online and in the App

Yorkshire Building Society’s app and online services can make rate checking easier for existing customers. YBS says the app can show savings transactions and interest rates, provide statements, support eligible money transfers and allow customers to open most available savings products.

Check interest rate See the rate attached to supported savings accounts without relying on an old paper leaflet.
Statements View and download supported monthly statements.
Transactions Review money moving into and out of supported accounts.
Open savings YBS says most of its available savings accounts can be opened through the app.
Security The app supports biometric or passcode login and is limited to one registered device at a time.
Online support YBS publishes 0345 1200 805 for online-account support.

Official YBS appYorkshire Building Society App Information

After opening this link:

  1. Check that your account is eligible for online/app management.
  2. Register for YBS online access if you have not already done so.
  3. Download the app only through the official links provided by YBS.
  4. Use the savings account screen to check the rate attached to your account.
  5. Never approve an unexpected login or security action initiated by somebody contacting you.

YBS FSCS Protection: Yorkshire, Chelsea and N&P Share the Limit

Yorkshire Building Society says eligible deposits held through its UK establishment are protected by the Financial Services Compensation Scheme up to the current standard limit of £120,000 per eligible person.

The important detail is that this limit is shared across relevant eligible deposits held with Yorkshire Building Society, Chelsea Building Society and Norwich & Peterborough Building Society. Deposits linked to an Accord offset mortgage and held with YBS also form part of the relevant YBS position.

Example below the limit

£60,000 with YBS and £40,000 with Chelsea gives £100,000 of combined eligible deposits, which is below the current £120,000 standard limit for one eligible depositor.

Example above the limit

£70,000 with YBS plus £70,000 with Chelsea gives £140,000 combined. YBS warns that the amount above the shared standard protection limit may not be covered.

Brand names do not create separate protection automatically. Check the banking licence and authorised firm before splitting a large balance between related brands solely for FSCS purposes.

Official YBS protectionYBS Financial Services Compensation Scheme Information

After opening this link:

  1. Check the current standard protection limit.
  2. Add your eligible YBS, Chelsea and Norwich & Peterborough deposits together.
  3. For joint accounts, read how the protection is allocated between eligible account holders.
  4. If you hold a temporary large balance after a qualifying life event, check the separate temporary-high-balance rules with FSCS.

2026 YBS Savings Context: Rates Versus the Wider Market

Yorkshire Building Society reported that in the first five months of 2026 its savers received an average rate of 3.34%, which YBS said was 0.54 percentage points above the rest-of-market average measured using the dataset cited in its half-year results.

YBS also reported 288,000 new savings accounts opened during the first half of 2026 and savings balances of £54.5 billion at the half-year point. These figures describe YBS’s overall savings business; they are not the rate you personally receive on an individual account.

Average rate is not a product rate. Your return depends on the exact account and issue you hold. An older easy-access account can pay less than YBS’s average, while a fixed or loyalty product can pay more.

Yorkshire Building Society Savings Support, Branches and Agencies

Savings help 0345 1200 100.
Savings telephone hours Monday-Friday 9am-5pm and Saturday 9am-1pm.
Online-account support 0345 1200 805.
Face-to-face service YBS says it has more than 200 branches and agencies across Great Britain.

YBS agencies operate in partnership with local businesses and can provide many of the same savings services as a YBS branch, although some limits and service differences apply.

Agency cash limit: YBS currently states that agencies have a cash withdrawal limit of £500 on one day and a maximum of £1,000 cash in a seven-day period. Check the specific location before travelling for a large withdrawal.

Official savings helpYBS Savings Help and Support

After opening this link:

  1. Choose whether your question is about online access, payments, identity checks, FSCS or interest rates.
  2. Use the rate checker when you already hold an account.
  3. Call savings support if the rate or issue on an older account is unclear.
  4. Use the branch finder when your product needs face-to-face service.

Common YBS Savings Rate Mistakes

Comparing only AER A higher rate can come with withdrawal limits or a long fixed term.
Confusing easy and limited access Triple Access eSaver is not the same as unrestricted easy access.
Using an old account issue Similar product names can have different issue numbers, rates and conditions.
Ignoring tax The highest ordinary savings AER is not always the highest net return after tax.
Withdrawing an ISA to transfer it Use the formal ISA transfer route when you need to preserve ISA status.
Assuming every loyalty rate is available Check the required length and type of YBS Group membership.
Fixing emergency money Keep sufficient accessible savings before locking a lump sum into a fixed bond.
Splitting YBS and Chelsea for FSCS The relevant eligible deposits share YBS’s standard protection limit.

Before Opening a Yorkshire Building Society Savings Account

Confirm the exact account and issue are still open.
Check Gross rate and AER.
Check whether the rate is fixed or variable.
Read minimum and maximum balance rules.
Check every withdrawal restriction.
Check monthly contribution limits on regular savers.
Confirm loyalty eligibility before applying.
Check your ISA allowance before new subscriptions.
Use the formal ISA transfer route for existing ISA money.
Add YBS Group deposits when checking FSCS protection.
Save the Product Terms that apply when you open the account.
Keep a separate emergency fund before fixing money long term.

Related Building Society Guides

These related pages can help if you are comparing YBS rates with another mutual or need more detailed help with the Yorkshire Building Society group and its older brands.

Yorkshire Building Society: Login, Savings, Mortgages & Contact Chelsea Building Society: YBS Accounts, Rates & Customer Help Norwich & Peterborough Building Society: Existing Customer Guide Nationwide Building Society: Mortgages, Savings & Help Family Building Society: Savings, Mortgages & Account Guide Darlington Building Society: Savings, Mortgages & Online Services

Official YBS Savings Resources Used for This Guide

Yorkshire Building Society Savings Compare YBS Savings Rates Easy Access Savings Limited Access Savings Regular Savers Fixed Rate Savings Cash ISAs Loyalty Savings YBS Savings Rate Calculator Previous & Withdrawn Rates 2026/27 ISA Allowance Flexible ISA Guide Personal Savings Allowance 2027 Cash ISA Changes YBS FSCS Protection Savings Help & Support YBS App

How This 2026 Savings Rate Guide Was Checked

Live YBS savings homepage rate checked.
Triple Access eSaver product terms reviewed.
Regular saver and loyalty eligibility reviewed.
2026 fixed-rate bond product terms checked.
2026 fixed Cash ISA product terms checked.
2026/27 ISA allowance checked.
Flexible Cash ISA rules reviewed.
ISA transfer guidance reviewed.
2027 announced Cash ISA changes checked.
Personal Savings Allowance figures reviewed.
Current YBS Group FSCS limit checked.
YBS savings phone and opening hours checked.
App savings-management functions checked.
Existing-account historical-rate route checked.
2026 YBS half-year savings statistics reviewed.

Editorial research date: 18 September 2026. Variable rates can change and fixed/loyalty products can close to new customers, so this page deliberately labels rate figures as dated examples rather than permanent promises.

Independent Financial Information Notice

Building-society.org is an independent informational website. It is not Yorkshire Building Society, Chelsea Building Society, Norwich & Peterborough Building Society, the Financial Conduct Authority, HM Revenue & Customs or the Financial Services Compensation Scheme.

This page does not provide personalised financial or tax advice. A high savings rate is not automatically suitable for your circumstances, and your tax position depends on your own income and savings.

Verify before acting: rates, account issues, loyalty eligibility, ISA rules, FSCS limits, branch services and support procedures can change. Open the relevant official YBS Product Terms before depositing or transferring money.

Yorkshire Building Society Savings Rates FAQs

1. What is the Yorkshire Building Society Triple Access eSaver rate in 2026?

When this guide was reviewed on 18 September 2026, Yorkshire Building Society displayed the Triple Access eSaver at 4.20% Gross per year/AER variable. The account can be opened from £1 and allows withdrawals on any three days during the account year. Because the rate is variable, check the live YBS page before applying.

2. What is the Yorkshire Building Society ISA allowance for 2026/27?

The overall ISA allowance for the 2026/27 tax year is £20,000. The tax year runs from 6 April 2026 to 5 April 2027. Your total new ISA subscriptions across eligible ISA types must remain within the statutory allowance.

3. Does Yorkshire Building Society offer easy-access Cash ISAs?

Yes. YBS offers easy-access Cash ISAs as part of its ISA range and states that its easy-access Cash ISAs are flexible. It also offers limited-access and fixed-rate Cash ISA structures, subject to current product availability.

4. Can I pay into more than one Cash ISA in 2026/27?

UK ISA rules allow savers to use Cash ISAs with more than one provider within the overall annual allowance, but YBS currently states that a saver can subscribe to one Cash ISA with Yorkshire Building Society in a tax year. Check the provider rules before making additional subscriptions.

5. What rate does the YBS Loyalty Regular Saver pay?

The Loyalty Regular Saver product terms reviewed for this guide show 4.85% Gross/AER variable, with deposits of up to £250 per calendar month for one year. The product has loyalty and withdrawal conditions, and its rate or availability can change.

6. How do I check the interest rate on an old Yorkshire Building Society savings account?

Use your YBS online account or app and identify the exact account name and issue number. YBS also provides previous and withdrawn product-rate information. Do not assume an older account pays the same rate as the latest version with a similar name.

7. Are Yorkshire Building Society fixed-rate bonds easy access?

No. Fixed-rate bonds are designed for money that can remain locked away for the stated term. YBS says its fixed bonds generally do not allow normal early withdrawal or closure, so keep emergency money in a more accessible account.

8. How much YBS savings are protected by FSCS?

Eligible deposits are currently protected up to £120,000 per eligible person. The limit is shared across relevant eligible deposits held with Yorkshire Building Society, Chelsea Building Society and Norwich & Peterborough Building Society, rather than providing a separate standard limit for each brand.

9. What is the Yorkshire Building Society savings phone number?

YBS currently publishes 0345 1200 100 for savings help. Staffed lines are listed as Monday to Friday from 9am to 5pm and Saturday from 9am to 1pm.

10. Will the Cash ISA limit change in 2027?

Under the currently announced rules, from 6 April 2027 people under age 65 will be limited to £12,000 of Cash ISA subscriptions within the overall £20,000 ISA allowance. People aged 65 or over are due to retain a £20,000 Cash ISA limit. Check current government guidance before the 2027/28 tax year begins.

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