联合王国储蓄者必须看一看利息阈值:基本税率纳税人通过个人储蓄津贴获得1 000英镑的免税、500英镑的更高税率。 UK savers must watch interest thresholds: basic rate taxpayers get £1,000 tax-free, higher rate £500, via personal savings allowance.

马丁·刘易斯警告英国储蓄者有关影响储蓄利息的税限,并解释说基本税率纳税人可在个人储蓄津贴下赚取高达1 000英镑的免税利息,而较高税率纳税人则获得500英镑。 Martin Lewis warns UK savers about tax thresholds affecting savings interest, explaining that basic rate taxpayers can earn up to £1,000 in interest tax-free under the personal savings allowance, while higher rate taxpayers get £500. 这些限额取决于收入水平,10 000英镑和20 000英镑的数字是关键门槛值。 These limits depend on income levels, with the £10,000 and £20,000 figures representing key thresholds. 他澄清说,个人储蓄津贴与12 570英镑个人津贴和起始率储蓄津贴是分开的,后者随着收入的增加而逐步取消。 He clarifies that the personal savings allowance is separate from the £12,570 personal allowance and the starting rate savings allowance, which phases out as income rises. ISA现金仍然完全免税。 Cash ISAs remain fully tax-free. 超过门槛值可能会触发利息税,因此了解津贴如何相互作用对于避免意外负债至关重要。 Exceeding thresholds may trigger tax on interest, so understanding how allowances interact is essential to avoid unexpected liabilities.