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What happens if I exceed my ISA allowance?
If you exceed your annual ISA allowance, any excess contributions will not benefit from tax-free treatment. The ISA allowance is a combined annual limit across all adult ISA types (e.g. stock & shares ISA, cash ISA, innovative Finance ISA , and lifetime ISAs).
It's your responsibility to ensure your total subscriptions across all ISA accounts stay within the annual limit set by HMRC. For current allowance details, visit the HMRC ISA limit page.
