英国纳税人每年可以免税使用全额20,000英的年度ISA津贴,从2027年4月开始将减少到12,000英. UK taxpayers can use the full £20,000 annual ISA allowance each year tax-free, with a reduction to £12,000 starting April 2027.

马丁·刘易斯澄清说,联合王国纳税人可以每年全额使用20 000英镑的年度ISA津贴而不征收触发税,因为限额每年重新确定,而且不以长期总储蓄为基础。 Martin Lewis clarifies that UK taxpayers can use the full £20,000 annual ISA allowance each year without triggering tax, as the limit resets yearly and is not based on total savings over time. 无论过去的储蓄情况如何,捐款仍然免税,在ISA类型之间转移资金并不计入年度限额。 Contributions remain tax-free regardless of past savings, and transferring funds between ISA types doesn’t count toward the annual limit. 从2027年4月到2027年4月的未来变化将使总津贴减少到12 000英镑,为《国际审计准则》的股票和股份预留8 000英镑,尽管65岁以上者将维持目前的全额限额。 A future change from April 2027 will reduce the overall allowance to £12,000, with £8,000 reserved for stocks and shares ISAs, though those over 65 will keep the current full limit. 18岁以下儿童的初级《国际审计标准》每年允许领取最多9 000英镑的津贴。 Junior ISAs allow up to £9,000 yearly for children under 18.