'You'll avoid the new rules, but only just'
Michael Tomlinson, Which? money expert, says…Due to a quirk of the tax system, the big changes to cash Isas won't affect you.
Although you’ll be 64 in April 2027 when the rules change, the fact that you’ll then be 65 during the 2027-28 tax year means HMRC treats you as being 65 for the whole tax year. So, you can continue to pay up to £20,000 a year into a cash Isa.
The government is consulting on ways to stop savers bypassing the rules by saving cash in stocks and shares Isas.
These include banning transfers from stocks and shares Isas to cash Isas for under-65s and, for savers of all ages, charging 22% tax on interest earned on cash in stocks and shares Isas.
Based on an interest rate of 4.5% (near the top of what instant-access accounts currently offer), a higher-rate taxpayer could save up to £8,000 and not pay any tax on the interest.
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source https://www.which.co.uk/news/article/am-i-old-enough-to-avoid-the-new-cash-isa-limit-aGxAN1p0pAUj