Guide collection
ISAs and Tax-Free Saving
ISAs and Tax-Free Saving reviews, comparisons and buying guides from Rational GB.
No. 01
How to Transfer an ISA Without Losing Your Allowance
How to transfer an ISA without losing your allowance: the one rule that matters, current-year versus previous-year money, timelines and the LISA catch.
Read guideBest Lifetime ISA Providers for Stocks and Shares (UK)
The best Lifetime ISA providers for stocks and shares in the UK, compared on fees. Why AJ Bell Dodl, Hargreaves Lansdown, Moneybox and Nutmeg differ.
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No. 03
Can You Have Multiple ISAs and Pay Into More Than One a Year?
Can you have multiple ISAs and pay into more than one in a tax year? Yes since April 2024, within your £20,000 allowance. The rules explained for 2026/27.
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No. 04
Junior ISAs Explained: Invest for Your Child Tax-Free
Junior ISAs explained for UK parents: the £9,000 allowance, cash vs stocks and shares, who can open and pay in, and what happens when your child turns 18.
Read guideISAs Explained: The Complete UK Guide to Tax-Free Saving and Investing
ISAs explained for 2026/27: the £20,000 allowance, the four ISA types, the 2027 cash ISA change and how to use your tax-free wrapper well.
Read guideWhat Happens to Your ISA When You Die? APS and IHT
What happens to your ISA when you die: the continuing ISA rules, the APS allowance for a surviving spouse, and how ISAs are treated for inheritance tax.
Read guideCash ISA vs Stocks and Shares ISA: Which Is Right for You
Cash ISA vs stocks and shares ISA: how they differ, which suits short and long horizons, and how the 2027 cash ISA reform changes the decision.
Read guideISA Allowance 2026/27: Limits, Rules and What's Changing
The ISA allowance for 2026/27 is £20,000. Here are the limits by ISA type, the rules that trip people up, and the 2027 reforms you should plan around now.
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No. 09
Lifetime ISA Explained: The 25% Bonus, Rules and the Penalty Trap
Lifetime ISA explained for 2026: the 25% government bonus, who can open one, the first-home and age-60 rules, and the early-withdrawal penalty trap.
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No. 10
Lifetime ISA vs Help to Buy vs Pension for a House Deposit
Lifetime ISA vs pension and the old Help to Buy ISA for a house deposit: which actually gets you into your first home faster, and the traps to avoid.
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