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There's still time.

Top up your ISA before tax year end.

Don't miss out - deadline midnight on 5th April

Make your ISA allowance count

Don't miss the chance to make the most of your remaining ISA allowance for this year – If you don’t use it by midnight on 5th April it won’t carry over. So now's a good time to top up your Instant Access ISA and make the most of your tax-free savings. 

Saving for something special, building your rainy day fund or planning for the future? Whatever you’re working towards, we're here to help.

Here’s what you need to know to take the next step.

How much can I pay into my ISA?

You can save up to £20,000 this tax year (6th April 2025 - 5th April 2026) without having to pay Income Tax on your interest. You can find out more about ISA allowances and how they work in our ISA Guide.

Top up by midnight on 5th April to use this year’s ISA allowance.

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How do I top up my Instant Access ISA?

The easiest way to top up is by moving money from another Royal Bank account using our Mobile App or Digital Banking.

You can also top up through Telephone Banking or by visiting any Branch to pay money into your Instant Access ISA.

Moving money from another provider?

  • If you’re moving money from a non-ISA account elsewhere, you’ll need your Royal Bank ISA account number and sort code.
  • If you’re moving money from an existing ISA elsewhere, you’ll need to complete an ISA transfer request to keep your savings tax-free. 
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How do I transfer my ISA to Royal Bank?

An ISA transfer is when you move your savings from one ISA to another. You might do this to bring your ISAs together, get a better interest rate, or to take advantage of a different type of ISA altogether.

You can transfer an existing ISA from elsewhere into your Royal Bank Instant Access ISA at any time. It's really important to go through the ISA transfer process. That way, you won't lose out on any of the tax benefits and your tax-free allowance is protected.

 

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How do I check my ISA limit?

You’re responsible for not going over the current yearly subscription limit of £20,000 across all ISAs.​ You can only pay in to one cash ISA with Royal Bank each tax year. You can check how much you have paid in to your ISA account using Digital Banking.

  1. Log in to your Digital Banking at digitalbanking.rbs.co.uk (opens in a new window)
  2. Click on your ISA on the 'Account Summary' screen to view the mini statement
  3. Click on the 'View account details' button under the mini statement
  • If you have not used any of your ISA allowance for the tax year, it will show the 'Deposits allowed this year'
  • If you have used some, but not all, of your ISA allowance for the tax year, it will show the 'Deposits allowed this year' and 'Deposits so far this year' with us
  • If you have used all of your allowance for the tax year, it will show the 'Deposits so far this year'

Definitions

Annual Equivalent Rate (AER) shows the interest rate if interest is paid and compounded once each year. AER helps you to compare the rates of interest on different accounts.

Compound interest is interest that is earned on interest that’s already been paid.

Gross means the interest rate you are paid on your savings with no compounding.

p.a. per annum (per year).

Tax-free.  We pay all savings interest without the deduction of tax.  You do not pay any UK tax on interest earned in ISAs. You may have to pay tax on interest earned in non-ISA accounts depending on your Personal Savings Allowance. The tax treatment may be subject to change in the future.

Financial Services Compensation Scheme

Your eligible deposits held by a UK establishment of Royal Bank of Scotland are protected up to a total of £120,000, by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.

Read the FSCS Leaflet (PDF, 3.7 MB) to find out more about the scheme and how it protects your money.

Investments through Royal Bank of Scotland Invest may also be covered by the Financial Services Compensation Scheme in some scenarios. You can find out more here.