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Savings interest tax check

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

See whether the interest on your savings is taxed, and how much an ISA would save.

Estimate for 2026/27, England, Wales and Northern Ireland. Excludes dividends. Not tax advice.

Common questions

What is the Personal Savings Allowance?

£1,000 for basic rate taxpayers, £500 for higher rate, none for additional rate.

How much can I put in an ISA?

£20,000 a year across all your ISAs.