Last updated: 22 August 2026

By Stiv · Design, technology and personal finance

Every April, we go through the same routine. The ISA allowance resets, savings rates shift, and there is a brief window where everyone actually pays attention to where their money is sitting. The best savings options for the new tax year are worth sorting now, before the motivation fades and another 12 months slip by. Here is what the CoolCuration team is doing with ours this year, along with a look at the platforms and accounts worth considering right now.

This year there is an added urgency. The 2026/27 tax year is the last year under-65s can put the full £20,000 into a cash ISA. From April 2027, cash ISA contributions will be capped at £12,000 for anyone under 65, with the remaining £8,000 needing to go into stocks and shares or other ISA types. So if you have been meaning to top up your cash ISA, this is the final window at the current limit.

Important: this is not financial advice. This article is for informational purposes only. Nothing in this post constitutes a recommendation to open any particular account, invest in any product, or take any specific financial action. Savings rates, ISA rules, and tax treatment can change at any time. CoolCuration is not authorised or regulated by the Financial Conduct Authority and cannot advise you on what is right for your circumstances. Always do your own research or speak to a qualified, independent financial adviser before making financial decisions. This article contains affiliate or referral links. If you click through and sign up I may earn a commission or referral bonus at no extra cost to you. It does not affect my editorial view.