Savings & Investments
Tax implications of different savings accounts, investments and share transactions in the UK. We cover ISAs, premium bonds, foreign investments and children's savings options.
Children's Bonus Bond
NS&I Children's Bonus Bonds are government-backed savings products designed to help parents build secure financial futures for their children.
Crypto Tax in 2026: What HMRC Will Know Once CARF Kicks in
The OECD's Crypto-Asset Reporting Framework starts collecting UK data this year. From 2027, HMRC will see your crypto transactions automatically.
Fixed Interest and Index Linked National Savings
Compare fixed interest and index linked National Savings Certificates to find the right option for your money.
Individual Savings Accounts (ISAs)
ISAs let you save up to £20,000 tax-free each year in the UK, split between cash and investments however you like.
Tax Efficient Alternatives to the Child Trust Fund
How to save tax-efficiently for your child's future now that the Child Trust Fund is gone.
Tax Efficient Savings
Cut your tax bill with ISAs and other tax-free savings accounts that don't require a large upfront investment.
Tax on Bank and Building Society Accounts
Bank and building society interest is usually taxed at 20% or 40%, but you get a personal allowance of up to £1,000 tax-free depending on your income bracket.
Tax on Buying Shares
You'll pay 0.5% stamp duty reserve tax when buying shares electronically, based on what you actually paid for them.
Tax on Foreign Savings and Other Investment Income
How UK residents should declare and manage tax on foreign savings and investment income to HMRC.
Tax on Sale of Shares
Work out if you owe capital gains tax on share sales by calculating your net gains after costs and allowable losses.
Understanding Premium Bonds
Premium Bond prizes are free of Income Tax and Capital Gains Tax and are never declared on a Self Assessment return. How the draw, the limits and the trade off work.
What Is Investment Income?
Investment income is money you earn from savings accounts, shares, property and other investments, separate from your salary and usually subject to tax.