{"componentChunkName":"component---template-cache-tmp-cash-isa-reforms-survey-js","path":"/cash-isa-reforms-survey","result":{"pageContext":{"page":{"id":"cGFnZToxNDA4Mg==","title":"Cash ISA limits research","pageId":14082,"content":null,"uri":"cash-isa-reforms-survey","slug":"cash-isa-reforms-survey","isFrontPage":false,"is_savings_hub_page":false,"stickyCtaBanner":{"fieldGroupName":"stickyCtaBanner","stickyCtaButtonText":null,"stickyCtaLink":null,"stickyCtaText":null,"stickyPageSection":null},"pageOptions":{"hideBreadcrumbs":false},"featuredImage":null,"seo":{"metaRobotsNofollow":"follow","metaRobotsNoindex":"noindex","opengraphAuthor":"","opengraphDescription":"","opengraphImage":null,"metaDesc":"","canonical":"","opengraphTitle":"Cash ISA limits research - HTB","twitterDescription":"","twitterTitle":"","twitterImage":null,"title":"Cash ISA limits research - HTB","opengraphUrl":"https://htb-stack-admin.dusted.digital/cash-isa-reforms-survey/","opengraphSiteName":"HTB","opengraphModifiedTime":"2025-07-10T09:11:43+00:00"},"dynamicContent":{"layouts":[{"fieldGroupName":"page_Dynamiccontent_Layouts_HeroBanner","bannerGroup":[{"fieldGroupName":"banner_group","banner":{"id":"c2l0ZS1iYW5uZXI6MTQxMDg=","bannerDetails":{"bannerAuthorName":null,"bannerAuthorPosition":null,"bannerLinkText":null,"bannerUrl":null,"bannerSubTitle":"Listening to our savers","fieldGroupName":"bannerDetails","statFigure":null,"statSymbolAfter":null,"statSymbolBefore":null,"videoBannerUpload":null},"content":null,"featuredImage":{"altText":"","title":"ISA feedback survey","imageFile":{"publicURL":"/static/d610a3565f4b2b758123593ef14ac952/ISA-feedback-survey.png"},"sourceUrl":"/htbcontent/uploads/2025/07/ISA-feedback-survey.png","mediaDetails":{"file":"2025/07/ISA-feedback-survey.png"}},"title":"Reactions to the proposed Cash ISA allowance changes"}}]},{"fieldGroupName":"page_Dynamiccontent_Layouts_PageIntro","pageColumnsColumn1":{"pageIntroLeftButtonLabel":null,"pageIntroLeftButtonLink":null,"pageIntroLeftIntro":"Reactions to the proposed Cash ISA allowance changes","pageIntroLeftText":"<p><span class=\"TextRun SCXW148042581 BCX8\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW148042581 BCX8\">With growing</span><span class=\"NormalTextRun SCXW148042581 BCX8\"> rumours that the government is </span><span class=\"NormalTextRun SCXW148042581 BCX8\">considering</span><span class=\"NormalTextRun SCXW148042581 BCX8\"> cuts to the Cash ISA tax-free allowance from £20,000 to £4,000, we asked our customers how </span><span class=\"NormalTextRun SCXW148042581 BCX8\">they’d</span><span class=\"NormalTextRun SCXW148042581 BCX8\"> feel about </span><span class=\"NormalTextRun SCXW148042581 BCX8\">the change</span><span class=\"NormalTextRun SCXW148042581 BCX8\">. </span></span></p>\n<p>The results are clear &#8211; and they highlight the importance of listening to Britain’s savers.</p>\n","pageIntroLeftTitle":null},"pageColumnsColumn2":{"pageIntroRightButtonLabel":null,"pageIntroRightButtonLink":null,"pageIntroRightButtonColour":"blue","pageIntroRightIntro":null,"pageIntroRightText":null,"pageIntroRightTitle":null},"halfLeftColumn":{"halfLeftOneButtonText":null,"halfLeftOneIntro":null,"halfLeftOneLink":null,"halfLeftOneText":null,"halfLeftOneTitle":null},"halfRightColumn":{"halfRightOneButtonText":null,"halfRightOneIntro":null,"halfRightOneLink":null,"halfRightOneText":null,"halfRightOneTitle":null}},{"fieldGroupName":"page_Dynamiccontent_Layouts_InformationTextBlock","informationBlockLink":null,"informationBlockLinkButtonText":null,"informationBlockSubTitle":null,"informationBlockText":"<h3><span class=\"TextRun SCXW9758383 BCX8\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW9758383 BCX8\">We asked </span><span class=\"NormalTextRun SCXW9758383 BCX8\">our Cash ISA savers the</span><span class=\"NormalTextRun SCXW9758383 BCX8\"> big</span><span class=\"NormalTextRun SCXW9758383 BCX8\"> questions about the proposed reforms. </span></span></h3>\n<p><span class=\"TextRun SCXW9758383 BCX8\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW9758383 BCX8\">Over</span><span class=\"NormalTextRun SCXW9758383 BCX8\"> 1,250 Cash ISA savers </span><span class=\"NormalTextRun SCXW9758383 BCX8\">responded to our July 2025 survey</span><span class=\"NormalTextRun SCXW9758383 BCX8\">.  </span></span><span class=\"TextRun SCXW9758383 BCX8\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW9758383 BCX8\">Here’s</span><span class=\"NormalTextRun SCXW9758383 BCX8\"> what they told us:</span></span></p>\n<p>&nbsp;</p>\n<h4><strong><span class=\"TextRun SCXW260769325 BCX8\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW260769325 BCX8\">Is</span><span class=\"NormalTextRun SCXW260769325 BCX8\"> the government’s plan to reduce the Cash ISA allowance </span><span class=\"NormalTextRun SCXW260769325 BCX8\">a good idea</span><span class=\"NormalTextRun SCXW260769325 BCX8\">?</span></span></strong><span class=\"EOP SCXW260769325 BCX8\" data-ccp-props=\"{}\"> </span></h4>\n<ul>\n<li>Nearly all our Cash ISA savers (97%) oppose the reduction in the ISA allowance, viewing it as a harmful change to responsible saving. Only 1% felt it was a good idea.</li>\n</ul>\n<h5></h5>\n<h4><b><span data-contrast=\"auto\">Why do they use Cash ISAs?</span></b><span data-ccp-props=\"{}\"> </span></h4>\n<ul>\n<li><span data-contrast=\"auto\">All savers consider </span><span data-contrast=\"auto\">Cash</span><span data-contrast=\"auto\"> ISAs important for their financial future</span></li>\n<li><span data-contrast=\"auto\">73% of</span><span data-contrast=\"auto\"> Cash ISA savers </span><span data-contrast=\"auto\">use the </span><span data-contrast=\"auto\">tax-free</span><span data-contrast=\"auto\"> allowance as </span><span data-contrast=\"auto\">a key </span><span data-contrast=\"auto\">part of their </span><span data-contrast=\"auto\">financial pla</span><span data-contrast=\"auto\">nning</span><span data-contrast=\"auto\">, including</span><span data-contrast=\"auto\"> for retirement and </span><span data-contrast=\"auto\">tax</span><span data-contrast=\"auto\"> planning</span></li>\n<li><span data-contrast=\"auto\">2</span><span data-contrast=\"auto\">1</span><span data-contrast=\"auto\">%</span><span data-contrast=\"auto\"> of ISA savers</span><span data-contrast=\"auto\"> rely on their Cash ISA for </span><span data-contrast=\"auto\">generating </span><span data-contrast=\"auto\">regular </span><span data-contrast=\"auto\">income</span><span data-contrast=\"auto\">. </span><span data-ccp-props=\"{}\"> </span></li>\n</ul>\n<h5></h5>\n<h4><b><span data-contrast=\"auto\">What were their concerns</span></b><b><span data-contrast=\"auto\"> about the reduction</span></b><b><span data-contrast=\"auto\">, if any?</span></b><span data-ccp-props=\"{}\"> </span></h4>\n<ul>\n<li><span data-contrast=\"auto\">The top concerns </span><span data-contrast=\"auto\">from </span><span data-contrast=\"auto\">our </span><span data-contrast=\"auto\">Cash ISA savers </span><span data-contrast=\"auto\">were </span><span data-contrast=\"auto\">overwhelmingly </span><span data-contrast=\"auto\">(94%)</span><span data-contrast=\"auto\"> about</span> <span data-contrast=\"auto\">feeling </span><span data-contrast=\"auto\">penalised for saving responsibly, </span><span data-contrast=\"auto\">being </span><span data-contrast=\"auto\">pushed into riskier investments</span><span data-contrast=\"auto\"> and facing increased tax on </span><span data-contrast=\"auto\">their savings </span><span data-contrast=\"auto\">interest</span><span data-contrast=\"auto\">. </span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\"> </span></li>\n</ul>\n<h5></h5>\n<h4><b><span data-contrast=\"auto\">How would their savings behaviour change if the </span></b><b><span data-contrast=\"auto\">tax-free</span></b> <b><span data-contrast=\"auto\">allowance </span></b><b><span data-contrast=\"auto\">reduced </span></b><b><span data-contrast=\"auto\">significantly</span></b><b><span data-contrast=\"auto\">?</span></b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\"> </span></h4>\n<ul>\n<li>48.5% of our savers would move their money into regular savings accounts (for example, easy access, notice and fixed term savings accounts)</li>\n<li>9% would move savings into a Stocks &amp; Shares ISA (the intended beneficiary of the proposed Cash ISA reduction)</li>\n<li><span data-contrast=\"auto\">24% would </span><span data-contrast=\"auto\">consider </span><span data-contrast=\"auto\"> less conventional investments such as </span><span data-contrast=\"auto\">premium bonds, pensions, or gold</span></li>\n<li><span data-contrast=\"auto\">2% would </span><span data-contrast=\"auto\">put it in a current account.</span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\"> </span></li>\n</ul>\n","informationBlockTitle":"Overall key findings ","openInNewTab":null},{"fieldGroupName":"page_Dynamiccontent_Layouts_QuoteTextAndCtaBelow","logoSupportingQuote":null,"quoteName":"Stuart Hulme","quoteNamePosition":"Managing Director of Savings","textToUseForQuote":"“Our customers have spoken with clarity and conviction. These aren’t just numbers - they’re people who’ve planned, saved and now feel betrayed. They feel penalised, and as one saver put it, at the age of ‘80 years old, I am not going to gamble my life savings in stocks and shares’.\" "},{"fieldGroupName":"page_Dynamiccontent_Layouts_InformationAccordionRepeater","informationAccordionTitle":"We asked Cash ISA savers to share their messages to policymakers - with over 1,250 responses, we’ve grouped them for easier reading. ","informationAccordion":[{"informationText":"<p><span data-contrast=\"auto\">Savers are worried that reducing the cash ISA allowance will discourage saving and penalise responsible savers. Example feedback included:</span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\"> </span></p>\n<ul>\n<li><i><span data-contrast=\"auto\">&#8220;Please don&#8217;t reduce the ISA annual allowance&#8221;</span></i></li>\n<li><i><span data-contrast=\"auto\">“Lowering the limit in cash ISAs will not make older people put money into riskier stocks and shares ISAs&#8221;</span></i></li>\n<li><i><span data-contrast=\"auto\">&#8220;Leave the cash ISA limit alone. We pay more than enough tax on everything else!&#8221;</span></i><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\"> </span></li>\n<li><em>“For goodness sake, give us an incentive to save”</em></li>\n<li><em>As well as many mentions of “Ridiculous” and </em><em>&#8220;Madness&#8221;.</em></li>\n</ul>\n","informationSubHeading":"Concerns about reducing Cash ISA allowance","informationLink":null,"fieldGroupName":"information_accordion"},{"informationText":"<p><span data-contrast=\"auto\">Our older savers are concerned that they will be forced into riskier investments. Example feedback included:</span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\"> </span></p>\n<ul>\n<li><i><span data-contrast=\"auto\">&#8220;I am 78 years old, so it makes little sense to be putting more money into long-term investments. These proposals will penalise the older savers&#8221;</span></i><span data-ccp-props=\"{}\"> </span></li>\n<li><i><span data-contrast=\"auto\">“Stocks and shares are for long term investment or so we have always been told. I am a pensioner and would like to spend rather than making a long-term investment.&#8221;</span></i><span data-ccp-props=\"{}\"> </span></li>\n<li><em>“This is another outrageous attack on the older generation.”</em></li>\n<li><em>&#8220;At the age of 80 years old, I am not going to gamble my life savings in stocks and shares.&#8221;</em></li>\n</ul>\n","informationSubHeading":"Impact on older savers","informationLink":null,"fieldGroupName":"information_accordion"},{"informationText":"<p><span data-contrast=\"auto\">Our ISA savers feel that the government is unfairly targeting responsible savers with taxation policies. Examples of feedback include:</span><span data-ccp-props=\"{}\"> </span></p>\n<ul>\n<li><i><span data-contrast=\"auto\">&#8220;We are taxed on too much already. ISA allowances enable people on lower incomes to save efficiently&#8221;</span></i><span data-ccp-props=\"{}\"> </span></li>\n<li><em>&#8220;Stop taxing us on our savings that we have already been taxed on as wages.&#8221;</em></li>\n<li><em> “Stop taking positive risk averse saving options away from regular and responsible savers”.</em></li>\n</ul>\n","informationSubHeading":"Government policy and taxation","informationLink":null,"fieldGroupName":"information_accordion"},{"informationText":"<p><span data-contrast=\"auto\">Our Cash ISA customers value the security and predictability of Cash ISAs for their financial planning.</span><span data-ccp-props=\"{}\"> </span></p>\n<p><span data-contrast=\"auto\">Example feedback </span><span data-ccp-props=\"{}\"> </span></p>\n<ul>\n<li><em>&#8220;Please don’t penalise our careful retirement planning&#8221;</em></li>\n<li><i><span data-contrast=\"auto\">&#8220;Cash ISAs are v important for older savers who may not be around long enough to see good returns from stocks and shares ISAs and don’t want to take risks&#8221; </span></i><span data-ccp-props=\"{}\"> </span></li>\n<li><i><span data-contrast=\"auto\">&#8220;I like the stability of a cash isa rather than taking risks. I don&#8217;t have much but would rather have the stability instead of the uncertainty&#8221; </span></i><span data-ccp-props=\"{}\"> </span></li>\n<li><i><span data-contrast=\"auto\">&#8220;Cash ISAs provide a secure relatively risk-free source of income for retired people. To assume that the investor will switch to stocks and shares ISA is unfounded, a longer-term investment and essentially gambling with your savings &#8211; not for all!&#8221;</span></i><span data-ccp-props=\"{}\"> </span></li>\n</ul>\n","informationSubHeading":"Financial planning and security","informationLink":null,"fieldGroupName":"information_accordion"}]},{"fieldGroupName":"page_Dynamiccontent_Layouts_ProductInformation","informationContent":"<h3><span class=\"TrackedChange SCXW250927840 BCX8\"><span class=\"TextRun SCXW250927840 BCX8\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW250927840 BCX8\"><span class=\"TextRun Highlight SCXW59017621 BCX8\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW59017621 BCX8\">Thank you to all </span><span class=\"NormalTextRun SCXW59017621 BCX8\">our </span><span class=\"NormalTextRun SCXW59017621 BCX8\">ISA savers</span><span class=\"NormalTextRun SCXW59017621 BCX8\"> who took part in this research. </span></span></span></span></span></h3>\n<p><span class=\"TrackedChange SCXW250927840 BCX8\"><span class=\"TextRun SCXW250927840 BCX8\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW250927840 BCX8\"><span class=\"TextRun Highlight SCXW59017621 BCX8\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW59017621 BCX8\">We&#8217;ve published these results to</span> <span class=\"NormalTextRun SCXW59017621 BCX8\">represen</span><span class=\"NormalTextRun SCXW59017621 BCX8\">t</span> <span class=\"NormalTextRun SCXW59017621 BCX8\">the voice of our customers</span><span class=\"NormalTextRun SCXW59017621 BCX8\"> as best we can</span></span><span class=\"TextRun SCXW59017621 BCX8\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW59017621 BCX8\">.</span></span></span></span></span></p>\n<p>&nbsp;</p>\n<p><strong>More?</strong></p>\n<p><span class=\"TrackedChange SCXW250927840 BCX8\"><span class=\"TextRun SCXW250927840 BCX8\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW250927840 BCX8\">Read the full press release </span></span></span><a href=\"/blog/97-of-savers-make-it-clear-hands-off-our-cash-isas\"><strong><span class=\"TrackedChange SCXW250927840 BCX8\"><span class=\"TextRun Underlined SCXW250927840 BCX8\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW250927840 BCX8\">here</span></span></span><em><span class=\"TrackedChange SCXW250927840 BCX8\"><span class=\"TextRun SCXW250927840 BCX8\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW250927840 BCX8\">.</span></span></span></em></strong></a></p>\n<p><span data-contrast=\"auto\">Journalists can </span><a href=\"mailto:scott.angus@htb.co.uk\"><strong><span style=\"text-decoration: underline;\">g</span>et in touch</strong></a><span data-contrast=\"auto\"> to</span><span data-contrast=\"auto\"> see the full results of the survey.</span><span data-ccp-props=\"{}\"> </span></p>\n"},{"fieldGroupName":"page_Dynamiccontent_Layouts_AwardCats","awardCatTitle":null,"awardCat":[{"id":"YXdhcmRfY2F0ZWdvcnk6MTM4","name":"PERSONAL Fixed Rate Cash ISA","awards":{"nodes":[{"id":"YXdhcmQ6MTIzMjQ=","title":"Moneyfacts 5 Star Easy to Open Award","date":"2025-01-08T13:56:53","menuOrder":1,"featuredImage":{"imageFile":{"publicURL":"/static/f0ab791171b4b6798872cde03acd5546/Moneyfacts-Compare-5-Star-Easy-to-Open-Award-2025.jpg"},"sourceUrl":"/htbcontent/uploads/2025/01/Moneyfacts-Compare-5-Star-Easy-to-Open-Award-2025.jpg","mediaDetails":{"file":"2025/01/Moneyfacts-Compare-5-Star-Easy-to-Open-Award-2025.jpg"}}},{"id":"YXdhcmQ6MTMzMTM=","title":"MoneyComms Top Performers 2025: Best Fixed Rate Savings Provider","date":"2025-03-19T11:39:14","menuOrder":17,"featuredImage":{"imageFile":{"publicURL":"/static/6e4f6b1b545feadc8866c0239a9ef5ec/Money-Comms-Best-Fixed-Rate-Savings-Provider-2025-2.png"},"sourceUrl":"/htbcontent/uploads/2025/03/Money-Comms-Best-Fixed-Rate-Savings-Provider-2025-2.png","mediaDetails":{"file":"2025/03/Money-Comms-Best-Fixed-Rate-Savings-Provider-2025-2.png"}}},{"id":"YXdhcmQ6MTI2NTY=","title":"Feefo Platinum 5 Years (2025)","date":"2025-02-04T17:27:09","menuOrder":23,"featuredImage":{"imageFile":{"publicURL":"/static/f39d5000a7a05afa24a8235af9666c27/feefo-Platinum-Trusted-Service-Awards-5-Years-Running-2025.jpg"},"sourceUrl":"/htbcontent/uploads/2025/02/feefo-Platinum-Trusted-Service-Awards-5-Years-Running-2025.jpg","mediaDetails":{"file":"2025/02/feefo-Platinum-Trusted-Service-Awards-5-Years-Running-2025.jpg"}}},{"id":"YXdhcmQ6MTA1ODU=","title":"Feefo Review &#8211; 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