Don’t lose your ISA allowance
Your ISA allowance is a powerful tool, and any unused portion is lost when the tax year ends on 5 April.
For 2025/26, that means up to £20,000 of contributions could be wasted if left unused. Checking your remaining allowance now is one of the simplest ways to make sure your money works as hard as it can.
In the Moneybox app, you can see exactly how much of your allowance you’ve used this year. This makes it easy to decide whether to add money to your Cash ISA, Stocks & Shares ISA, or Lifetime ISA before the deadline. Even small contributions can have a meaningful impact over time thanks to tax-free growth.
When deciding where to allocate remaining allowance, consider your goals. Stocks & Shares ISAs can help long-term growth, while Cash ISAs provide security and liquidity. Using your allowance in the way that best suits your needs ensures contributions aren’t just used, but used wisely.
Timing is also important. Even though the year is nearly over, contributions now still benefit from tax-free growth and, in some cases, compound over time. A contribution made today can make a difference over the next decade or more.
Visualising your progress helps too. Moneybox displays your used vs remaining allowance in real time, making it easy to see what’s left and take action. A single tap lets you add money, giving your funds a chance to grow before the tax year closes.
Finally, taking action now sets you up for next year. By using your allowance efficiently, you reinforce positive habits and reduce the pressure of starting the next tax year behind. You’ll enter the new year knowing your tax-free contributions are maximised.
Don’t leave money on the table. Top up today if you can to make the most of this year’s tax-free allowance before it resets. ISA and tax rules, and account T&Cs apply. If investing, capital at risk.
Key tax year timings
To get you ready for 5th April, check out our timings for final deposits, transfers, move money, and new account openings.