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Cash Isa
Cash Isas are the simplest form of Isa and are available from most banks and building societies to those over 16.
Interest paid on cash Isas has dropped to record lows, but they remain a popular option as they allow savers to earn interest on up to £20,000 each year tax-free.
Since 2016 these deals have become less appealing as a tax-saving measure. The introduction of the “personal savings allowance” now means basic rate taxpayers can earn up to £1,000 in interest before paying income tax.
Higher ratepayers can earn £500 while additional ratepayers are taxed on all their interest.
This means cash Isas are only useful to additional rate taxpayers and savers who have already maxed out their £1,000 personal savings allowance, which at current rates would require saving hundreds of thousands of pounds.