Are you sure you are making the most of your ISA allowance?

Most savers are not. The same money, at the same rate, keeps more of its interest inside an ISA, and the room you do not use by 5 April is gone for good. Type in what you hold and Blooom shows what your savings would keep in an ISA, on your own figures.

Join the waiting listFree, and it takes two minutes.
This year£20,000ISA allowance, resets 6 April
The same savings£295 a yearkept in a cash ISA, higher rate

The allowance most people leave on the table

15 millionadult ISAs were paid into in the 2023 to 2024 tax year.HMRC Annual Savings Statistics, 18 September 2025
22.7%of ISA savers used the full allowance; more than three in four did not.HMRC, 2022 to 2023 subscriptions, published September 2025
£872bnis held in adult ISAs, and every pound of its interest and growth is untaxed.HMRC, market value at the end of the 2023 to 2024 tax year
£1,000of savings interest a year is tax-free for a basic-rate taxpayer; £500 for higher rate; nothing for additional rate.The personal savings allowance, 2026 to 2027
£295a year: the tax on £27,400 at 4.52% for a higher-rate taxpayer outside an ISA. Inside one, £0.Blooom, the example household
£20,000is the cash ISA limit in 2027/28 too. Budget 2026 kept it, so the cut planned for under-65s is not going ahead.HM Treasury, Budget 2026, October 2026

Every figure carries its source and date.

Savings against ISA savings, plainly

Same money, same rate. The difference is what you keep.

Under the allowance, no difference

If your interest sits inside your personal savings allowance, an ISA keeps nothing extra this year. Blooom says so, and does not nudge you to move.

Over it, an ISA’s interest stays tax-free

Above the allowance, 20%, 40% or 45% of the interest goes in tax, every year, for as long as the money sits. Blooom shows the pounds, on your balance and your band.

The room does not roll over

£20,000 of ISA room a year, gone on 5 April if unused. Coming up carries the date.

Three steps, ten minutes

Then Blooom compares the rate for you.

Tell Blooom your tax bandOne tap in Settings; your word, never checked. It sets the allowance the sums use.
Type in your savingsBalance and rate. The find shows what the interest keeps outside an ISA and inside one, and the current cash ISA rates, ranked by rate.
Open, transfer, or leave itA clean link to the provider’s own site. Transfers from another ISA keep the allowance intact; the provider’s own form does that part.
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See where you stand. Know when things change.

  • Every account in one list, no loginsSavings, pensions, home, car, what you owe.
  • Your net worth from five linesOne number, each line marked by how we know it.
  • What your money could earn, in poundsThe highest easy access, fix and cash ISA it could move to.
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Your money stays put. So do your details.

Two minutes to set up, and what you type stays yours.

Your money never comes near usIt stays with your own bank. We show the rates; opening an account is your call.
Your figures stay yoursThey build your own picture and nothing else. Never sold, never shared.
Private by designYour account is yours alone. Only you can see inside it.
Log in your wayFace or fingerprint on the app, and an extra step in Settings if you like.
Leave whenever you likeExport a copy or delete everything, in one tap. No waiting.

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Every account in one list, your ISA room this year, and what your money could earn in pounds, with the working. Free for as long as you like.

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Every easy access account you add compared, again each time you update, the 5 April deadline and every bonus end remembered.

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Blooom+ is £44.99 a year, or £4.99 a month.

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For as long as you like.

  • All your accounts in one place, no logins
  • Your net worth from five lines
  • What your money could earn, in pounds
  • A heads-up if you’re over the £120k protection limit
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  • Every easy access account you add, compared again each time you update
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Questions, answered.

Is a cash ISA always better than a savings account?

No. If your interest is under your personal savings allowance, the ISA keeps nothing extra this year, and Blooom says so. Above it, the ISA keeps the tax, every year.

What about stocks and shares ISAs?

The allowance is shared across every kind. Blooom shows cash ISA rates ranked by rate; it does not compare investments and does not give advice.

Can I move an old ISA?

Yes, by transfer through the new provider’s own form, which keeps the money inside the allowance. Withdrawing and re-paying does not.

What changes in 2027?

The cash ISA limit stays at £20,000 in 2027/28. From 6 April 2027 the tax on savings interest outside an ISA is planned to rise, subject to Parliament (Budget 2026).

Is this advice?

No. Blooom shows what your money keeps in each place, from your own figures. Opening or transferring is your call.

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The sources
15m, 22.7% and £872bnHMRC, Annual savings statistics, published 18 September 2025: ISA holders, share of adults, and total market value.
1.65%Bank of England, Effective interest rates, June 2026 (published 29 Jul 2026): households’ sight deposits, outstanding balances.
59%Accenture, 12 May 2025: “nearly six in ten Brits (59%) not knowing the interest rate on their main savings account”.
53%LHV Bank research, reported by Which?, 1 Sep 2026: “53% of UK savers are not confident they’re receiving competitive returns”.
2 in 5Tesco Bank, reported by Which?, 1 Sep 2026: “two in five adults don’t realise how inflation can erode their savings”.
61%, 1 in 10 and 21%FCA Financial Lives 2024, press release 16 May 2025.
55%Yorkshire Building Society with Opinium, 2,000 UK adults, January 2024: 55% had not compared savings rates in the last year.
£35,429Spring (Paragon Bank) analysis reported by MoneyWeek, March 2026: 6.5m current accounts hold over £10,000 at no interest, averaging £35,429.
0.50%, 0.50%Blooom’s own rate-change log.
How we check
You typewhat you hold.
We compareagainst the highest rate we track, dated.
We saywhat moved. Nothing here can move your money.
How we make money
Blooom+£44.99 a year, or £4.99 a month. That is the business.
Some linksmay pay us if you open an account through them. Marked "May pay us".
Neverdoes either move the order. Ranked by rate, nothing else.
The sums in our example
1.00%Everyday saver, £9,900, as you told us on 12 Jul 2026
4.52%Highest easy access we track
£348 a year£447 − £99

An example, not a promise. Rates move; we re-read them every day.
The arithmetic
£59.88a year if you pay monthly: £4.99 × 12
24%saved by paying yearly: £14.89 less