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ARTICLE · 02 DECEMBER 2025

Budget 2025 – ISA Update

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Chancellor Rachel Reeves has unveiled sweeping reforms to the ISA system in the Autumn Budget.

United KingdomFinance and Banking
Esme Sheridan
Esme Sheridan
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Chancellor Rachel Reeves has unveiled sweeping reforms to the ISA system in the Autumn Budget. The headline change is a reduction in the cash ISA tax-free allowance to £12,000 for those under 65, effective 6 April 2027. While the overall ISA limit remains at £20,000, the government has mandated that to use the further £8,000 allowance, those under 65 must invest funds through a stocks and shares ISA, a move designed to encourage greater investment in UK companies and reduce reliance on cash savings.

For over-65s, the current £20,000 cash ISA allowance will remain untouched, a concession aimed at protecting retirees who later in life should not be expected to risk their capital to secure tax advantages.

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