ISA Allowance 2026/27: Why Top Fixed Savings Rates Are Falling and What That Means for £20,000 Savers
The £20,000 ISA allowance is unchanged for 2026/27 but the savings landscape behind it is shifting. Best-buy fixed rate cash ISAs now pay up to 4.65%, with easy-access rates dipping. We explain what changed, the lifetime ISA rules, and how to use the allowance.