ISA Guides

Home ISA Guides

We've collated our most popular and most recently-published ISA guides in one place for you. Designed to help you through the basics as well as more complicated issues, browse our entire back catalogue below.

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Our most popular ISA guides

How do ISA transfers work?

Using an ISA transfer is important as its the only way to retain the tax-free status of your funds. Our helpful guide explains what you should know before you transfer.

Using an ISA transfer is the only way to retain the tax-free status of your funds. Our helpful guide explains what you should know before you transfer.

The rules on inheriting ISAs

Did you know that you can inherit your spouse's/civil partner's ISA savings? This guide explains the rules on inheriting ISAs and the important things you need to know.

What you need to know about claiming and investing an inherited ISA, and retaining its tax-free status.

Trust Accounts Explained

A trust is where money or other assets are held on behalf of somebody else (known as a beneficiary). The beneficiary could be a child, an adult who lacks capacity to manage their own affairs or an organisation. Read our guide to find out more about trust accounts.

A trust is where money or other assets are held on behalf of somebody else. Our guide explains more.

Should I invest in an ISA or my pension?

Although rules around when and how we can take our pensions are more flexible now, the complexity of the market can make decisions difficult.

Junior ISA loophole for 16 and 17-year-olds

Maybe it's deliberate, maybe it's just an oversight, but 16 and 17-year-olds currently get two ISA allowances. Read the Moneyfacts guide to learn more.

2023-24 ISA allowance guide

ISAs have restrictions on how much you can put in each tax year and when you’re allowed to open a new account versus move your funds. To help, we’ve gathered together information on the 2023/24 tax year’s ISA allowance, as well as many other important taxation considerations.

Download our complete guide to the ISA allowance for 2023/24. Restrictions, how to move accounts and taxation considerations.

UK inflation explained - and how to deal with it

Whether you are looking to invest for your future, save for retirement, or find your perfect mortgage you have probably come across a term called inflation. With its widening effect, it is important to understand what inflation is, why it is necessary, and how it affects the economy.

Whether you are looking to invest for your future, save for retirement, or find your perfect mortgage you have probably come across a term called inflation.

Are bonds better than ISAs?

We look back at the market since 2016 and give an overview of why fixed rate cash ISA and fixed rate bond rates differ. Read our guide explore the pros and cons of each.

We look back at the market since 2016 and give an overview of why fixed rate cash ISA and fixed rate bond rates differ. Read our guide to find out more.

What is an Innovative Finance ISA?

First introduced in 2016, Innovative Finance ISAs (IFISAs) are perhaps the least well-known of the four main types of ISA available. Here’s what you need to know if you’ve ever wondered what an IFISA is and what risks are involved.

An IFISA is a type of savings account that applies a tax-wrapper around peer-to-peer loans, preventing you from having to pay tax on any returns.

Investment glossary

Investing can be a complicated topic that sees a lot of specialised terms thrown around. If you’re unclear of what your adviser is talking about, read our guide.

Investing can be a complicated topic that sees a lot of specialised terms thrown around. If you’re unclear of what your adviser is talking about, read our guide

What is ISA season and why does it matter for your savings?

Heading into spring, you may hear the phrase ‘ISA season’ being used by the financial press. But what is ISA season? And why does it matter to you?

Heading into spring, you may hear the phrase ‘ISA season’ being used by the financial press. But what is ISA season, and why does it matter to you?

ISA Glossary

Our ISA glossary offers straightforward explanations of a wide variety of ISA terms and types. Understand the different options available to you before applying today.

Our ISA glossary offers straightforward explanations of a wide variety of ISA terms and types. Understand the different options available to you before applying

What are the different types of ISA?

There are four main types of ISA available in the UK, Cash ISAs, Stocks and Shares ISAs, Innovative Finance ISAs (IFISA) and Lifetime ISAS (LISA). This guide explains the differences between them and how each type of ISA works.

There are four main types of ISA available in the UK, Cash ISAs, Stocks and Shares ISAs, Innovative Finance ISAs (IFISA) and Lifetime ISAS (LISA).