Save tax-free with a Cash ISA
Already have a Cash ISA? You can open and pay into another Cash ISA, as long as you stay within your overall ISA allowance.
Explore your tax year end options
Time to put your money to work
What you can do before the tax year end
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Give your money more time to grow
A Stocks & Shares ISA is worth considering if you’re willing to invest for five years or more and are comfortable with risk.
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Start investing with MoneySuperMarket
Want a simpler way to invest? Choose from a focused range of funds with as little as £1.
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Top up your pension
A pension top-up could give your future savings a boost, and you could get tax relief on what you pay in.
Before you decide
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Check how much ISA allowance you have left
You can put money into an ISA each tax year, but unused allowance does not usually carry over.
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Compare more than the headline rate
With Cash ISAs, check access rules, fixed terms and when any introductory rate ends.
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Keep accessible money for emergencies
Make sure you will not need the money soon before choosing a fixed-term account or investing it.
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Think about your time frame
Cash may be more suitable for short-term goals. Investing is generally for longer-term goals and comes with risk.
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Check pension limits and eligibility
Tax relief and contribution limits depend on your circumstances.
Our expert says…
What do you want your money to do next?
The end of the tax year is a useful moment to pause and ask what you want your money to do next.
If you have spare cash, comparing your ISA options now could help you make a choice that suits your goals. But it’s important not to rush into a decision just to meet the deadline.
Kara Gammell Personal Finance & Insurance Expert
When does the tax year end?
The tax year runs from 6 April to 5 April. If you want to use an allowance before it resets, make sure you leave enough time for your provider to process your payment or application.
What happens if I do not use my ISA allowance?
Unused ISA allowance does not usually carry over to the next tax year. Your existing ISA savings can stay invested or saved in the account on a tax-free basis.
Should I choose a Cash ISA or a Stocks & Shares ISA?
It depends on your goals, how soon you may need the money and how comfortable you are with risk. A Cash ISA may suit money you need sooner. Investing is generally for longer-term goals, and the value of investments can go down as well as up.
Can I invest with MoneySuperMarket in more than one way?
Yes. You can compare Investment ISA providers, account features and charges, or explore a focused selection of funds with Investments by MoneySuperMarket.
Can I add money to my pension before the tax year ends?
You may be able to. Pension tax relief and contribution limits depend on your circumstances, including your earnings and the type of pension you have. Check the rules that apply to you before making a contribution.
Do I need to switch my existing ISA?
Not necessarily. Compare your current rate, access conditions and other available options before deciding whether switching is right for you.
Reviewed on 29 Sep 2026
Sources and supporting information
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[1]
Selected providers. SuperSaveClub restrictions and T&Cs apply. Click here for details.
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[2]
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
