If a 25/26 tax year isa is opened on 2nd April 2026 can it be funded AFTER 6 April?

Yorkshire_Pud

Idea is open an 2025/2026 tax year isa with £1 tomorrow that has a thirty day funding window and make further deposits after 6th April. Does anyone know if this would be allowed or is it a hard and fast rule that ALL deposits be made strictly within the relevant isa tax year, i.e. before the 5th April this year?

Thanks.

Albermarle

Thread below yours

New 2026 - 2027 ISA — MoneySavingExpert Forum

Yorkshire_Pud

https://forums.moneysavingexpert.com/discussion/comment/81945790#Comment_81945790

I said it would be funded with £1 in this current tax year so not zero balance opening.

Ayr_Rage

My post deleted, I misread the OP.

Isthisforreal99

https://forums.moneysavingexpert.com/discussion/6662173/if-a-25-26-tax-year-isa-is-opened-on-2nd-april-2026-can-it-be-funded-after-6-april

Not 100% sure what the question is here but if you want to make use of your 25/26 ISA allowance the funds must be paid on or before 5 April 2026. Anything after that will be a 26/27 subscription.

surreysaver

Depends upon which rule it is you're trying to adhere to. If it's the funding of the ISA, then you have to fund it within 30 days.

If you want to fund by the end of the tax year, then you have to fund it by 5th April (bearing in mind that's a non-working day, so may have to fund by tomorrow depending upon whether the provider credits on non-working days)

Yorkshire_Pud

well Google AI says all funding has to be made within the tax year but then seems to contradict itself by quoting hsbc funding window so much the same confusion as my original query I’m trying to address.

So the Virgin money 1 yer fixed rate isa advertised at the moment will only allow opening with a minimum £1 deposit. But also states a 30 day funding window from opening. Obviously if it was opened with £0 it would presumably be a 26/27 isa by default but that’s not allowed. So a £1 opened isa today with a 30 day funding window has to be funded as much as possible by 5th April to be within this isa year and the 30 day funding window doesn’t apply?

I couldn’t get a definitive answer from the VM isa rules and t&c and I wouldn’t hold out much hope of a customer service advisor knowing. In my case it’s not possible to fund further than £1 in this isa tax year but would be good to have the option of applying funds after the 5th April which seems to be both possible and not allowed depending on individual viewpoints.

eskbanker

There's no such thing as "a 2025/26 ISA" or "a 2026/27 ISA" - they're just ISAs, which can contain 2025/26 funds, or 2026/27 ones, or both. The opening date isn't really relevant, beyond triggering the funding window where applicable.

Isthisforreal99

https://forums.moneysavingexpert.com/discussion/comment/81945916#Comment_81945916

A bit of advice - never rely on AI for fIinancial advise.

It's quite simple really, money paid in before 5 April 2026 is using your 25/26 ISA allowance. Anything after is 26/27.

The 30 day funding window is a red herring. It does allow those with available allowance for 25/26 to fund both 25/26 and 26/27.

Yorkshire_Pud

https://forums.moneysavingexpert.com/discussion/comment/81945839#Comment_81945839

Yes thanks this is what a building society told me today when I phoned on an unrelated matter! Glad I’m doing this on a friends behalf, I funded mine at the beginning of the tax year.

Yorkshire_Pud

@Isthisforreal99

This seems to be it. One isa covering two tax years allowances. £1 in 25/26, £20,000 in 26/27 in the same isa if within the 30 days.

I turn to Ai just to get some benchmark! I know it can be unreliable.