由于英国皇家税务委员会 (HMRC) 的规定,英国储户,尤其是退休人员可能会过度缴纳利息税,因此建议使用ISA来实现免税增长. UK savers, especially retirees, may overpay tax on interest due to HMRC rules, prompting advice to use ISAs for tax-free growth.

Martin Lewis警告联合王国的储蓄者,特别是退休人员,根据HMRC规则,对利息可能支付过高的税款。 Martin Lewis warns UK savers, especially retirees, may be overpaying tax on interest due to HMRC rules. 5 000英镑的启动储蓄津贴从12 570英镑到17 570英镑不等,基本利率纳税人获得1 000英镑的免税利息,高利率纳税人领取500英镑,额外利率纳税人支付所有利息的45%。 A £5,000 starter savings allowance phases out between £12,570 and £17,570 income, while basic rate taxpayers get £1,000 tax-free interest, higher rate earners £500, and additional rate earners pay 45% on all interest. 高于此项津贴的利息按所得税税率课税。 Interest above allowances is taxed at income tax rates. Lewis注意到定期账户,如果在支付时报告利息,而不在可获得时报告利息,可能导致多付,就可能引发过早的税收责任。 Lewis notes fixed-term accounts can trigger premature tax liability if interest is reported when paid, not when accessible, potentially leading to overpayment. 他建议审查储蓄情况并利用《国际审计准则》——每年高达20,000英镑——实现免税增长。 He recommends reviewing savings and using ISAs—up to £20,000 annually—for tax-free growth.