{"componentChunkName":"component---template-cache-tmp-savers-react-to-2027-cash-isa-changes-js","path":"/savers-react-to-2027-cash-isa-changes","result":{"pageContext":{"page":{"id":"cGFnZToxODQxMw==","title":"Reactions to the 2027 Cash ISA allowance changes","pageId":18413,"content":null,"uri":"savers-react-to-2027-cash-isa-changes","slug":"savers-react-to-2027-cash-isa-changes","isFrontPage":false,"is_savings_hub_page":false,"stickyCtaBanner":{"fieldGroupName":"stickyCtaBanner","stickyCtaButtonText":null,"stickyCtaLink":null,"stickyCtaText":null,"stickyPageSection":null,"stickyCtaPosition":"top"},"pageOptions":{"hideBreadcrumbs":false},"featuredImage":null,"seo":{"metaRobotsNofollow":"follow","metaRobotsNoindex":"noindex","opengraphAuthor":"","opengraphDescription":"","opengraphImage":null,"metaDesc":"","canonical":"","opengraphTitle":"Reactions to the 2027 Cash ISA allowance changes | Hampshire Trust Bank (HTB)","twitterDescription":"","twitterTitle":"","twitterImage":null,"title":"Reactions to the 2027 Cash ISA allowance changes | Hampshire Trust Bank (HTB)","opengraphUrl":"https://uat-wp-www-htb-co-uk.htbplc.co.uk/savers-react-to-2027-cash-isa-changes/","opengraphSiteName":"HTB","opengraphModifiedTime":""},"dynamicContent":{"layouts":[{"fieldGroupName":"page_Dynamiccontent_Layouts_HeroBanner","bannerGroup":[{"fieldGroupName":"banner_group","banner":{"id":"c2l0ZS1iYW5uZXI6MTg0MjY=","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":"Reactions to the 2027 Cash ISA allowance changes","imageFile":{"publicURL":"/static/3dc9e5a62e5252367198cb0fbbbaa10d/Reactions-to-the-2027-Cash-ISA-allowance-changes-1.jpg"},"sourceUrl":"/htbcontent/uploads/2026/10/Reactions-to-the-2027-Cash-ISA-allowance-changes-1.jpg","mediaDetails":{"file":"2026/10/Reactions-to-the-2027-Cash-ISA-allowance-changes-1.jpg"}},"title":"Reactions to the 2027 Cash ISA allowance changes"}}]},{"fieldGroupName":"page_Dynamiccontent_Layouts_PageIntro","pageColumnsColumn1":{"pageIntroLeftButtonLabel":null,"pageIntroLeftButtonLink":null,"pageIntroLeftIntro":null,"pageIntroLeftText":"

For the second year running, we’ve asked our Cash ISA savers what they think about changes to Cash ISAs.

\n

In 2025, our customers shared their concerns about proposals to reduce the Cash ISA allowance. One year later, following confirmation that the annual tax-free allowance will reduce from £20,000 to £12,000 for under 65s from April 2027, we returned to our trusty savers to understand whether concerns had eased.

\n

Nearly 2,500 Cash ISA savers responded to this year’s survey.

\n","pageIntroLeftTitle":"Reactions to the 2027 Cash ISA allowance changes "},"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":"

This year’s research finds that, while the final allowance is higher than the £4,000 figure previously discussed, many savers remain concerned about the impact on their financial future, retirement planning and ability to achieve long-term savings goals.

\n

Key findings

\n\n","informationBlockTitle":"2027 Cash ISA changes: what savers really think","openInNewTab":null},{"fieldGroupName":"page_Dynamiccontent_Layouts_InformationAccordionRepeater","informationAccordionTitle":"Here's what our savers told us:","informationAccordion":[{"informationText":"\n\n\n\n","informationSubHeading":"Overall sentiment","informationLink":null,"fieldGroupName":"information_accordion"},{"informationText":"\n\n\n","informationSubHeading":"Feeling penalised for saving responsibly ","informationLink":null,"fieldGroupName":"information_accordion"},{"informationText":"\n\n\n\n","informationSubHeading":"Savers want choice ","informationLink":null,"fieldGroupName":"information_accordion"},{"informationText":"\n\n\n\n","informationSubHeading":"Retirement planning concerns ","informationLink":null,"fieldGroupName":"information_accordion"},{"informationText":"\n\n\n\n","informationSubHeading":"Financial security and independence ","informationLink":null,"fieldGroupName":"information_accordion"}]},{"fieldGroupName":"page_Dynamiccontent_Layouts_InformationTextBlock","informationBlockLink":"/cash-isa-reforms-survey","informationBlockLinkButtonText":"Read our 2025 findings","informationBlockSubTitle":null,"informationBlockText":"

Last year, over 1,250 Cash ISA savers shared their views on the proposed reforms. They overwhelmingly opposed reductions to the allowance and expressed concerns about being penalised for saving responsibly.

\n

This year we saw almost double the number of responses, with nearly 2,500 ISA savers sharing their thoughts with us. And the message is clear: Cash ISAs are more important to people’s future plans than ever.

\n

\n

2025 vs 2026

\n

Importance of ISAs

\n\n

Retirement planning

\n\n

Attitudes towards investing

\n\n

Feeling penalised for saving

\n\n

\n

2026: Does £12,000 feel like a compromise?

\n

When proposals to reduce the allowance first emerged, some reports suggested the limit could fall as low as £4,000.

\n

£12,000 may be higher than the most widely reported proposals, but for many savers – especially the under 65s – it doesn’t feel like much of a middle ground.

\n","informationBlockTitle":"What has changed since 2025?","openInNewTab":["yes"]},{"fieldGroupName":"page_Dynamiccontent_Layouts_ProductInformation","informationContent":"

Thank you to all our ISA savers who took part in this research.

\n

We’ve published these results to represent the voice of our customers as best we can.

\n

More?

\n

Journalists can get in touch to see the full results of the survey. 

\n"},{"fieldGroupName":"page_Dynamiccontent_Layouts_AwardCats","awardCatTitle":null,"awardCat":[{"id":"YXdhcmRfY2F0ZWdvcnk6MTM4","name":"PERSONAL Fixed Rate Cash ISA","awards":{"nodes":[{"id":"YXdhcmQ6MTc3NzU=","title":"Moneyfactscompare.co.uk Awards 2027 – Shortlisted for Fixed Rate ISA Provider of the Year","date":"2026-09-21T11:57:35","menuOrder":null,"featuredImage":{"imageFile":{"publicURL":"/static/bd991a9afc8f12086643344e05d212ef/Moneyfactscompare.co_.uk-shortlisted-for-Fixed-Rate-ISA-Provider-of-the-Year.png"},"sourceUrl":"/htbcontent/uploads/2026/09/Moneyfactscompare.co_.uk-shortlisted-for-Fixed-Rate-ISA-Provider-of-the-Year.png","mediaDetails":{"file":"2026/09/Moneyfactscompare.co_.uk-shortlisted-for-Fixed-Rate-ISA-Provider-of-the-Year.png"}}},{"id":"YXdhcmQ6MTc3NzE=","title":"Moneyfactscompare.co.uk Awards 2027 – Shortlisted for Easy-to-open Savings Account Provider of the Year","date":"2026-09-21T11:50:09","menuOrder":null,"featuredImage":{"imageFile":{"publicURL":"/static/5af4d378281e1d442fda6c86908607d3/Moneyfactscompare.co_.uk-shortlisted-for-Easy-to-open-Savings-Account-Provider-of-the-Year.png"},"sourceUrl":"/htbcontent/uploads/2026/09/Moneyfactscompare.co_.uk-shortlisted-for-Easy-to-open-Savings-Account-Provider-of-the-Year.png","mediaDetails":{"file":"2026/09/Moneyfactscompare.co_.uk-shortlisted-for-Easy-to-open-Savings-Account-Provider-of-the-Year.png"}}},{"id":"YXdhcmQ6MTU3NTI=","title":"MoneyComms Top Performers 2026: Savings Provider of the Year","date":"2026-03-17T13:45:33","menuOrder":null,"featuredImage":{"imageFile":{"publicURL":"/static/b08671dc24c9f3c83c6e6d543b80e39a/Savings_Provider_of_the_Year_17032026-e1781000374772.png"},"sourceUrl":"/htbcontent/uploads/2026/03/Savings_Provider_of_the_Year_17032026-e1781000374772.png","mediaDetails":{"file":"2026/03/Savings_Provider_of_the_Year_17032026-e1781000374772.png"}}},{"id":"YXdhcmQ6MTU3NDU=","title":"MoneyComms Top Performers 2026: Best Fixed Rate Savings Provider","date":"2026-03-17T10:04:19","menuOrder":null,"featuredImage":{"imageFile":{"publicURL":"/static/9777cc0f9ce532c92f1c4cebd8f15b09/Best_Fixed_Rate_Savings_Provider_17032026-e1781000341570.png"},"sourceUrl":"/htbcontent/uploads/2026/03/Best_Fixed_Rate_Savings_Provider_17032026-e1781000341570.png","mediaDetails":{"file":"2026/03/Best_Fixed_Rate_Savings_Provider_17032026-e1781000341570.png"}}},{"id":"YXdhcmQ6MTU1NjI=","title":"Feefo Platinum 6 Years (2026)","date":"2026-02-17T10:41:16","menuOrder":null,"featuredImage":{"imageFile":{"publicURL":"/static/f6d22b6afdb4509caa2409fb2d50e4c7/Feefo_Platinum_Trusted_Service_Award_17022026-e1781000414593.png"},"sourceUrl":"/htbcontent/uploads/2026/02/Feefo_Platinum_Trusted_Service_Award_17022026-e1781000414593.png","mediaDetails":{"file":"2026/02/Feefo_Platinum_Trusted_Service_Award_17022026-e1781000414593.png"}}},{"id":"YXdhcmQ6MTUyMzQ=","title":"Moneyfacts Compare Easy to Open – 2026","date":"2026-01-08T13:19:29","menuOrder":2,"featuredImage":{"imageFile":{"publicURL":"/static/838490a92825096b55a7dd6b3fa09696/Moneyfacts-5-Star-Service-Rating-Personal-Savings-Easy-to-Open_03062026.png"},"sourceUrl":"/htbcontent/uploads/2026/01/Moneyfacts-5-Star-Service-Rating-Personal-Savings-Easy-to-Open_03062026.png","mediaDetails":{"file":"2026/01/Moneyfacts-5-Star-Service-Rating-Personal-Savings-Easy-to-Open_03062026.png"}}},{"id":"YXdhcmQ6MTA1ODU=","title":"Feefo Review – June 2024","date":"2024-06-28T14:57:13","menuOrder":28,"featuredImage":{"imageFile":{"publicURL":"/static/74f028f0063f13048c0e915685da84f2/feefo-Service-Rating-2024.jpg"},"sourceUrl":"/htbcontent/uploads/2024/06/feefo-Service-Rating-2024.jpg","mediaDetails":{"file":"2024/06/feefo-Service-Rating-2024.jpg"}}},{"id":"YXdhcmQ6MTA1ODg=","title":"Trustpilot Review – June 2024","date":"2024-06-28T15:00:48","menuOrder":29,"featuredImage":{"imageFile":{"publicURL":"/static/526903f6f13da8da7a3d2245606d7353/Trustpilot-Service-Rating-2024.jpg"},"sourceUrl":"/htbcontent/uploads/2024/06/Trustpilot-Service-Rating-2024.jpg","mediaDetails":{"file":"2024/06/Trustpilot-Service-Rating-2024.jpg"}}}]}},{"id":"YXdhcmRfY2F0ZWdvcnk6MTM5","name":"PERSONAL Fixed Rate Accounts","awards":{"nodes":[{"id":"YXdhcmQ6MTc3NzE=","title":"Moneyfactscompare.co.uk Awards 2027 – Shortlisted for Easy-to-open Savings Account Provider of the Year","date":"2026-09-21T11:50:09","menuOrder":null,"featuredImage":{"imageFile":{"publicURL":"/static/5af4d378281e1d442fda6c86908607d3/Moneyfactscompare.co_.uk-shortlisted-for-Easy-to-open-Savings-Account-Provider-of-the-Year.png"},"sourceUrl":"/htbcontent/uploads/2026/09/Moneyfactscompare.co_.uk-shortlisted-for-Easy-to-open-Savings-Account-Provider-of-the-Year.png","mediaDetails":{"file":"2026/09/Moneyfactscompare.co_.uk-shortlisted-for-Easy-to-open-Savings-Account-Provider-of-the-Year.png"}}},{"id":"YXdhcmQ6MTU3NTI=","title":"MoneyComms Top Performers 2026: Savings Provider of the Year","date":"2026-03-17T13:45:33","menuOrder":null,"featuredImage":{"imageFile":{"publicURL":"/static/b08671dc24c9f3c83c6e6d543b80e39a/Savings_Provider_of_the_Year_17032026-e1781000374772.png"},"sourceUrl":"/htbcontent/uploads/2026/03/Savings_Provider_of_the_Year_17032026-e1781000374772.png","mediaDetails":{"file":"2026/03/Savings_Provider_of_the_Year_17032026-e1781000374772.png"}}},{"id":"YXdhcmQ6MTU3NDU=","title":"MoneyComms Top Performers 2026: Best Fixed Rate Savings Provider","date":"2026-03-17T10:04:19","menuOrder":null,"featuredImage":{"imageFile":{"publicURL":"/static/9777cc0f9ce532c92f1c4cebd8f15b09/Best_Fixed_Rate_Savings_Provider_17032026-e1781000341570.png"},"sourceUrl":"/htbcontent/uploads/2026/03/Best_Fixed_Rate_Savings_Provider_17032026-e1781000341570.png","mediaDetails":{"file":"2026/03/Best_Fixed_Rate_Savings_Provider_17032026-e1781000341570.png"}}},{"id":"YXdhcmQ6MTU1NjI=","title":"Feefo Platinum 6 Years (2026)","date":"2026-02-17T10:41:16","menuOrder":null,"featuredImage":{"imageFile":{"publicURL":"/static/f6d22b6afdb4509caa2409fb2d50e4c7/Feefo_Platinum_Trusted_Service_Award_17022026-e1781000414593.png"},"sourceUrl":"/htbcontent/uploads/2026/02/Feefo_Platinum_Trusted_Service_Award_17022026-e1781000414593.png","mediaDetails":{"file":"2026/02/Feefo_Platinum_Trusted_Service_Award_17022026-e1781000414593.png"}}},{"id":"YXdhcmQ6MTUyMzQ=","title":"Moneyfacts Compare Easy to Open – 2026","date":"2026-01-08T13:19:29","menuOrder":2,"featuredImage":{"imageFile":{"publicURL":"/static/838490a92825096b55a7dd6b3fa09696/Moneyfacts-5-Star-Service-Rating-Personal-Savings-Easy-to-Open_03062026.png"},"sourceUrl":"/htbcontent/uploads/2026/01/Moneyfacts-5-Star-Service-Rating-Personal-Savings-Easy-to-Open_03062026.png","mediaDetails":{"file":"2026/01/Moneyfacts-5-Star-Service-Rating-Personal-Savings-Easy-to-Open_03062026.png"}}},{"id":"YXdhcmQ6MTA1ODU=","title":"Feefo Review – June 2024","date":"2024-06-28T14:57:13","menuOrder":28,"featuredImage":{"imageFile":{"publicURL":"/static/74f028f0063f13048c0e915685da84f2/feefo-Service-Rating-2024.jpg"},"sourceUrl":"/htbcontent/uploads/2024/06/feefo-Service-Rating-2024.jpg","mediaDetails":{"file":"2024/06/feefo-Service-Rating-2024.jpg"}}},{"id":"YXdhcmQ6MTA1ODg=","title":"Trustpilot Review – June 2024","date":"2024-06-28T15:00:48","menuOrder":29,"featuredImage":{"imageFile":{"publicURL":"/static/526903f6f13da8da7a3d2245606d7353/Trustpilot-Service-Rating-2024.jpg"},"sourceUrl":"/htbcontent/uploads/2024/06/Trustpilot-Service-Rating-2024.jpg","mediaDetails":{"file":"2024/06/Trustpilot-Service-Rating-2024.jpg"}}}]}},{"id":"YXdhcmRfY2F0ZWdvcnk6MTQ0","name":"PERSONAL Variable Rate Accounts","awards":{"nodes":[{"id":"YXdhcmQ6MTc3NzE=","title":"Moneyfactscompare.co.uk Awards 2027 – Shortlisted for Easy-to-open Savings Account Provider of the Year","date":"2026-09-21T11:50:09","menuOrder":null,"featuredImage":{"imageFile":{"publicURL":"/static/5af4d378281e1d442fda6c86908607d3/Moneyfactscompare.co_.uk-shortlisted-for-Easy-to-open-Savings-Account-Provider-of-the-Year.png"},"sourceUrl":"/htbcontent/uploads/2026/09/Moneyfactscompare.co_.uk-shortlisted-for-Easy-to-open-Savings-Account-Provider-of-the-Year.png","mediaDetails":{"file":"2026/09/Moneyfactscompare.co_.uk-shortlisted-for-Easy-to-open-Savings-Account-Provider-of-the-Year.png"}}},{"id":"YXdhcmQ6MTU3NTI=","title":"MoneyComms Top Performers 2026: Savings Provider of the Year","date":"2026-03-17T13:45:33","menuOrder":null,"featuredImage":{"imageFile":{"publicURL":"/static/b08671dc24c9f3c83c6e6d543b80e39a/Savings_Provider_of_the_Year_17032026-e1781000374772.png"},"sourceUrl":"/htbcontent/uploads/2026/03/Savings_Provider_of_the_Year_17032026-e1781000374772.png","mediaDetails":{"file":"2026/03/Savings_Provider_of_the_Year_17032026-e1781000374772.png"}}},{"id":"YXdhcmQ6MTU3NDU=","title":"MoneyComms Top Performers 2026: Best Fixed Rate Savings Provider","date":"2026-03-17T10:04:19","menuOrder":null,"featuredImage":{"imageFile":{"publicURL":"/static/9777cc0f9ce532c92f1c4cebd8f15b09/Best_Fixed_Rate_Savings_Provider_17032026-e1781000341570.png"},"sourceUrl":"/htbcontent/uploads/2026/03/Best_Fixed_Rate_Savings_Provider_17032026-e1781000341570.png","mediaDetails":{"file":"2026/03/Best_Fixed_Rate_Savings_Provider_17032026-e1781000341570.png"}}},{"id":"YXdhcmQ6MTU1NjI=","title":"Feefo Platinum 6 Years (2026)","date":"2026-02-17T10:41:16","menuOrder":null,"featuredImage":{"imageFile":{"publicURL":"/static/f6d22b6afdb4509caa2409fb2d50e4c7/Feefo_Platinum_Trusted_Service_Award_17022026-e1781000414593.png"},"sourceUrl":"/htbcontent/uploads/2026/02/Feefo_Platinum_Trusted_Service_Award_17022026-e1781000414593.png","mediaDetails":{"file":"2026/02/Feefo_Platinum_Trusted_Service_Award_17022026-e1781000414593.png"}}},{"id":"YXdhcmQ6MTUyMzQ=","title":"Moneyfacts Compare Easy to Open – 2026","date":"2026-01-08T13:19:29","menuOrder":2,"featuredImage":{"imageFile":{"publicURL":"/static/838490a92825096b55a7dd6b3fa09696/Moneyfacts-5-Star-Service-Rating-Personal-Savings-Easy-to-Open_03062026.png"},"sourceUrl":"/htbcontent/uploads/2026/01/Moneyfacts-5-Star-Service-Rating-Personal-Savings-Easy-to-Open_03062026.png","mediaDetails":{"file":"2026/01/Moneyfacts-5-Star-Service-Rating-Personal-Savings-Easy-to-Open_03062026.png"}}},{"id":"YXdhcmQ6MTA1ODU=","title":"Feefo Review – June 2024","date":"2024-06-28T14:57:13","menuOrder":28,"featuredImage":{"imageFile":{"publicURL":"/static/74f028f0063f13048c0e915685da84f2/feefo-Service-Rating-2024.jpg"},"sourceUrl":"/htbcontent/uploads/2024/06/feefo-Service-Rating-2024.jpg","mediaDetails":{"file":"2024/06/feefo-Service-Rating-2024.jpg"}}},{"id":"YXdhcmQ6MTA1ODg=","title":"Trustpilot Review – June 2024","date":"2024-06-28T15:00:48","menuOrder":29,"featuredImage":{"imageFile":{"publicURL":"/static/526903f6f13da8da7a3d2245606d7353/Trustpilot-Service-Rating-2024.jpg"},"sourceUrl":"/htbcontent/uploads/2024/06/Trustpilot-Service-Rating-2024.jpg","mediaDetails":{"file":"2024/06/Trustpilot-Service-Rating-2024.jpg"}}}]}}]}]},"landingPageDynamicContent":{"landingPageFlexibleContent":[]}},"breadcrumb":{"location":"/savers-react-to-2027-cash-isa-changes","crumbs":[{"pathname":"/","crumbLabel":"HTB"},{"pathname":"/savers-react-to-2027-cash-isa-changes/","crumbLabel":"savers-react-to-2027-cash-isa-changes"}]}}},"staticQueryHashes":["1239430513","1586857859","1772891646","229476007","2634765651","3649515864","493905975","63159454"]}