Brits can save a bumper £52,000 into their Cash ISAs tax-free between now and April 6, 2027 following new rules being put in place.

Cash ISA limits are set to be slashed from their current £20,000 limit to just £12,000 per year under new rules, unless you're over 60.

But the change isn't being made until April 2027. For April 2026, next month, the limits will remain the same as before, at £20,000 per financial year.

Chancellor Rachel Reeves changed Cash ISA rules so that from next year, savers won't be able to deposit more than £12,000 of tax-free cash.

The £20,000 overall limit will still be in place, but savers will be forced to keep at least £8,000 of the money in a Stocks and Shares ISA instead, in a bid to boost investing. For older investers aged over 60, an exemption is in place so that pensioners don't need to put money away in shares.

Because of the way the deposit rules work, it means you could add £52,000 to a Cash ISA between April 5, 2026 and April 6, 2027 fully legally.

That's because the deposit limits for Cash ISAs follow tax years, which reset every year on April 6. It means you could max out your deposit limit now (if you've not already put money in an ISA for this year), max out the next one in April, then max out the next one in the following April, putting £52,000 in it between now and the end of April 2027.

• Now, before April 6 2026: Add up to £20,000 to Cash ISA.


• Between April 6, 2026 and April 5, 2027: Add another £20,000 to Cash ISA


• From April 6, 2027: Add £12,000 to Cash ISA under the new limits.

Taken together, it's a maximum £52,000 of deposits. Of course, for over 60s, Cash ISA limits will not change. Those aged over 60 can put in £60,000 in the same period, due to retaining a £20,000 limit next year.

Households held £207 billion in Cash ISAs at the end of September, marking a 14% increase on a year earlier, as people continued to build up "precautionary buffers against an uncertain economic backdrop", according to a banking and finance industry trade association.

Some £295 billion was also held in savings accounts for which notice has to be given, which was a 10% annual rise, UK Finance said.

The figures were released as part of UK Finance's household finance review for the third quarter of 2025.

UK Finance said that households were saving as a precaution, even as savings rates drifted lower.