Take our an ISA with The Cumberland and make the most of your tax free annual allowance.
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Top up your ISA today
Make the most of your Tax Free ISA limit by April 5 2026
See below for more information
Each tax year, starting on 6 April, you receive a new ISA allowance which for the current year is £20,000, or £9,000 for a Junior ISA. With only a few weeks to go until the end of the tax year now is a good time to top up your ISA.
We have included our most frequently asked questions below to help you make the most of your ISA allowance.
The final day to make a payment into your ISA during the 2025/26 tax year will be Sunday 5 April 2026. Any payments made after this date will count towards your 2026/27 ISA allowance.
Due to the 5 April falling the Easter weekend, there will be some changes to when deposits need to be paid into accounts. For example, money paid in via a branch will have to be done before 12 noon on Saturday 4 April to make sure the funds are included in the current ISA year.
The 2025/2026 ISA allowance is either £20,000 for a cash ISA or £9,000 for a Junior ISA.
You can pay money into your ISA by visiting your local branch, online via your internet banking or by contacting our Customer Care Team.
Due to the 5 April falling the Easter weekend, there will be some changes to when deposits need to be paid into accounts. For example, money paid in via a branch will have to be done before 12 noon on Saturday 4 April to make sure the funds are included in the current ISA year.
You are only able to contribute new money to One Cumberland Cash ISA, although you may transfer money from existing accounts/other providers into a Cumberland Cash ISA which does not count towards your annual allowance.
This does not restrict your ability to open/pay into another Cash ISA with another provider but you will still need to remain within the annual ISA allowance (£20,000 across all providers for tax year 2025/26).
You also need to ensure your payments are not going to exceed the £20,000 Cash ISA or £9,000 Junior ISA allowance for 2025/26.
From the 6 April 2024, you are no longer be required to complete a new ISA application form to make additional payments into an existing Cumberland cash ISA. Customers attempting to make payments into an existing ISA which has not been paid into for a full tax year by Internet Banking / Mobile App may still receive a message asking them to re-subscribe. If this happens, you can:
- Call our Customer Care Team 01228 403141 (Monday to Friday 8am – 7pm, Saturday 8.30am – 4pm)
- Speak to your local branch
From 6 April 2024, you need to be at least 18 to open any Cumberland adult cash ISA products. Anyone aged under 18 would still be able to open and save into a Cumberland Cash Junior ISA.
You are able to open and pay into one Cumberland Cash ISA during the tax year. This does not restrict your ability to open/pay into another Cash ISA with another provider but you will still need to remain within the annual ISA allowance (£20,000 across all providers for tax year 2025/26).
We currently do not accept partial transfers of current year’s ISA subscriptions into or out of Cumberland cash ISAs. Please note, you may only transfer:
- All of the current tax year’s investment in a Cash ISA with another provider to a Cumberland Cash ISA
- All of the current tax year’s investment in a Cumberland Cash ISA to either a Cash ISA or a Stocks and Shares ISA elsewhere
Previous Tax Year’s Subscriptions
- You can still transfer all or part of previous tax year’s investment into a Cumberland Cash ISA
- You can still transfer all or part of previous tax year’s investment into a Cash ISA to either a Cash ISA or a Stocks and Shares ISA elsewhere
Open a savings account
Discuss your preferred options with one of our friendly advisors, who will then open your brand-new account for you.
Our Savings Hub
Our Savings Hub is here to help get people engaged with savings. Whether your a looking for more information on ISAs or general savings tips, our Savings Hub is here to help.