Flexible ISA ISAs are more flexible than they have ever been thanks to rule changes introduced on 6 April 2016.
What is a flexible ISA?

What is a flexible ISA?

ISAs are more flexible than ever

Flexible ISA

What does this mean for you?

Flexible ISA is available to all new and existing customers.

Withdraw money from your ISA and replace it in the same tax year, without this replacement counting towards your annual ISA limit of £20,000 for the 2017/18 tax year. You can do this with a cash ISA, Investment ISA or an innovative finance ISA as long as you have a cash holding within them to draw upon. Not all ISA providers may offer this flexibility, so check with yours before withdrawing any funds.

We will keep track of all cash withdrawals from Investment ISAs each new tax year.

Remember, any money you wish to use to replenish your ISA using the flexible allowance must be with us by the end of the current tax year (5 April 2018).

Tax rules may change in the future and whether particular tax rules benefit you, will depend on your individual circumstances. The value of your investments can fall as well as rise and you may get back less than you initially invested.

What you need to know about flexible ISAs

We explain the new flexible ISA rules and take a look at what's next for savers.

Read our article

Helpful Videos

How does ISA flexibility work?

In this video, Barclays’ Savings and Investments Director Clare Francis discusses what you need to know about ISA flexibility.

Transcript of the video


ISAs are more flexible than ever

Our infographic below helps to explain the new flexible ISA rules.

View the text version of our ISA infographic.

New flexible ISA rules

Text version of our infographic


Use our infographic

If you want to put our infographic on your own website, here's the code to copy and paste into your page:

<a href="https://www.barclaysstockbrokers.co.uk/Accounts/Investment-ISA/pages/what-is-a-flexible-isa.aspx"><img src="https://www.barclaysstockbrokers.co.uk/SiteCollectionImages/flexible-ISA-150616.png" alt="New flexible ISA rules" width="450" border="0"/></a><br />Source: <a href="https://www.barclaysstockbrokers.co.uk/Pages/index.aspx">Barclays Stockbrokers</a>



Remember

  • The value of your investments can fall as well as rise and you may get back less than you initially invested.
  • Investing is not for everyone, if you are unsure please seek independent financial advice.
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