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Date: Thu, 27 Nov 2025 13:57:38 GMT
To: <vince@showfile.com>
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Here=E2=80=99s what you need to know =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD
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Here=E2=80=99s part of your postcode 9BP
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We aim to show you part of your postcode where we can, so you know this email is from us and not random spam =E2=80=93 just one of https://t18.notifications.rbs.co.uk/r/=3Fid=3Dt9d801dd1,a0217633,8035e2d8&e=3DY2lkPURNNTY1ODE4JmJpZD0tMTY1MjU0ODE0MyZjaW49MTA1MTYwODkxOA&s=3DF_flaM96DMaFGqi4viLDapN5hFEtdwasDmZ3p5J1iYU the ways we=E2=80=99re keeping you safe .
By clicking on links in this email, you agree to Royal Bank of Scotland using cookies to track your interaction, to improve the performance of our communications, understand your interests, and to personalise our future emails to you.
If you do not want your interactions with this email below tracked you can visit our website by clicking this un-tracked link about http://rbs.co.uk/savings/isa-overview/autumn-budget/autumn-budget-article.html=3Fextcam=3DRE_R_EMC_0_SAV_AugBudget_RBCoreMktW_Service_Header_CRM Budget overview .
Hello Vincent,
=E2=80=8C
The government has announced changes to cash ISA limits in the recent Budget.
What=E2=80=99s changing from 6 April 2027
Your total annual ISA allowance will still be =C2=A320,000 , but the way you can use it will change for those under 65:
You=E2=80=99ll be able to put up to =C2=A312,000 in a cash ISA each tax year.
The rest =E2=80=93 up to =C2=A38,000 =E2=80=93 could go into a stocks and shares ISA.
Or, you can choose any combination that suits you, as long as you don=E2=80=99t exceed =C2=A312,000 in a cash ISA and your total across both types of ISAs doesn=E2=80=99t go over the =C2=A320,000 total ISA allowance .
The annual limit for stocks & shares ISAs remains at =C2=A320,000 .
For those aged 65 or over, these changes won=E2=80=99t apply. The full =C2=A320,000 annual ISA allowance will remain, which can be used across all ISAs.
The changes only apply to new contributions from 6 April 2027 onwards, so you still have this tax year and the next to save up to =C2=A320,000 in a cash ISA tax free , if that=E2=80=99s right for you.
=E2=80=8C
Any money already saved in your cash ISA from this year or previous years, should stay protected and continue to earn tax-free interest.
=E2=80=8C
No changes have been made to the Junior ISAs allowance, which remains at =C2=A39,000 each tax year per child.
=E2=80=8C
Separate to the changes announced for ISAs, from April 2027, the income tax you pay on interest received from savings, (over your personal savings allowance and outside of ISAs) will increase to 22% for basic-rate taxpayers, 42% for higher-rate taxpayers and 47% for additional-rate taxpayers.
https://t18.notifications.rbs.co.uk/r/=3Fid=3Dt9d801dd1,a0217633,8035e2d9&e=3DY2lkPURNNTY1ODE4JmJpZD0tMTY1MjU0ODE0MyZjaW49MTA1MTYwODkxOA&s=3DBfwBlM7KRUzBRplVmt309cMiSlfUsEpXtK1fMO1-Dm4 Read our Budget overview
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The Royal Bank of Scotland plc. Registered in Scotland No. SC083026.
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<style>
ul, ol {margin-left:15px; padding-left:0px}
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<style>
table{
border-collapse: collapse;
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<style>
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width: 100%;
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<![endif]-->
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<style type=3D"text/css">
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=2Emso-outer-cta{
padding: 13px 34px;
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=2Emso-outer-cta a{
padding: 0 !important;
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=2Emso-outer-cta-330{
padding: 13px 34px;
}
=2Emso-outer-cta-330 a{
padding: 0 !important;
}
</style>
<![endif]-->
</head>
<body class=3D"st-email-body st-center-gmail">
<div style=3D"font-size:0px; display:none; visibility:hidden; opacity:0; co=
lor:transparent; max-height:0px; height:0; width:0; mso-hide:all;">
Here=E2=80=99s what you need to know
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9;͏  ͏  ͏  ͏  ͏  =
47;  ͏  ͏  ͏  ͏  ͏ &=
#8199;͏  ͏  ͏  ͏  ͏  =
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7;  ͏  ͏  ͏  ͏  ͏ &#=
8199;͏  ͏  ͏  ͏  ͏  =
͏  ͏  ͏  ͏  ͏  ͏=
;  ͏  ͏  ͏  ͏  ͏ =
199;͏  ͏  ͏  ͏  ͏  &=
#847;  ͏  ͏  ͏  ͏  ͏=
 ͏  ͏  ͏  ͏  ͏ Q=
99;͏  ͏  ͏  ͏  ͏  &#=
847;  ͏  ͏  ͏  ͏  ͏ =
 ͏  ͏  ͏  ͏  ͏ ̳=
9;͏  ͏  ͏  ͏  ͏  =
47;  ͏  ͏  ͏  ͏  ͏ &=
#8199;͏  ͏  ͏  ͏  ͏  =
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7;  ͏  ͏  ͏  ͏  ͏ &#=
8199;͏  ͏  ͏  ͏  ͏  =
͏  ͏  ͏  ͏  ͏  ͏=
;  ͏  ͏  ͏  ͏  ͏ =
199;͏  ͏  ͏  ͏  ͏  &=
#847;  ͏  ͏  ͏  ͏  ͏=
 ͏  ͏  ͏  ͏  ͏ Q=
99;͏  ͏  ͏  ͏  ͏  &#=
847;  ͏  ͏  ͏  ͏  ͏ =
 ͏  ͏ ­ ­ ­ ­ ­ ­ ­ ­=
­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ &s=
hy; ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­=
­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ &s=
hy; ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­=
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hy; ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­=
­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ &s=
hy; ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­  =
;
</div>
<table role=3D"presentation" width=3D"100%" cellpadding=3D"0" cellspacing=
=3D"0" border=3D"0" bgcolor=3D"#FFFFFF" class=3D"st-wrapper-table" style=3D=
"width: 100%;">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"600" class=3D"st-wrapper st-wrapper-background=
st-module-wrapper-table" style=3D"width: 600px;">
<tr>
<td width=3D"100%" bgcolor=3D"#FFFFFF" valign=3D"top" class=3D"st-dynamic-5=
q93f7hy12cbe" style=3D"width: 100%; padding-bottom: 15px;">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"st-dynamic-slnzcz=
nix7p0n" style=3D"padding: 19px 30px 18px;">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" align=3D"left" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"16" valign=3D"middle" class=3D"mob-w16" style=3D"width: 16px;"=
>
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" class=3D"st-dynamic-lltk=
3uzqlsp7k" style=3D"width: 100%;"><img border=3D"0" valign=3D"top" width=3D=
"16" src=3D"https://res18.notifications.natwest.com/res/img/AB448A4DEFD07E3=
216876A5DDE151B8C.png" height=3D"20" alt=3D"Lock icon" class=3D"st-mobile-w=
idth-constraint" style=3D"border: 0px; display: block; width: 16px; max-wid=
th: 100%;"> </td>
</tr>
</table>
</td>
<td width=3D"254" valign=3D"middle" style=3D"width: 254px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" style=3D"width: 100%;"><=
table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=3D=
"0" border=3D"0">
<tbody><tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-10" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 12px; font-weight: normal; letter-spacing: normal; line-height:=
14px; padding-left: 14px; width: 100%;">
<p style=3D"margin: 0px;">
<span style=3D"font-size: 12px; line-height: 14px;">
Here=E2=80=99s part of your postcode 9BP
</span>
</p>
</td>
</tr>
</tbody>
</table></td>
</tr>
</table>
</td>
<td width=3D"270" valign=3D"middle" style=3D"width: 270px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-10" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 12px; font-weight: normal; letter-spacing: normal; line-height:=
14px; width: 100%;">
<p style=3D"margin: 0px; text-align: right;"><span style=3D"font-size: 12px=
; line-height: 14px;">Email not displaying quite right=3F</span></p>
<p style=3D"margin: 0px; text-align: right;"><span style=3D"font-size: 12px=
; line-height: 14px;"><span style=3D"text-decoration: underline; color: #5e=
10b1;"><a style=3D"color: #5e10b1;" href=3D"https://t18.notifications.rbs.c=
o.uk/r/=3Fid=3Dh9d801dd1,a0217633,8035e2cc&e=3DY2lkPURNNTY1ODE4JmJpZD0tMTY1=
MjU0ODE0MyZjaW49MTA1MTYwODkxOCZwMT0lNDA0R0clMkZzUGMyJTJCdVp2UFpBREhIZUJkNEV=
1Wldkb28lMkJZV0puUWVvUTB6QmRjJTNE&s=3Dgz1qjDWdDBFG6YHkl1OvoSwxYax5c_mRSzMxP=
DoN-pM"><span style=3D"color: #5e10b1;"><u>Try it in your browser</u></span=
></a>.</span></span></p>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"600" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 600px;">
<tr>
<td align=3D"center" valign=3D"top" width=3D"600">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-11" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 13px; font-weight: normal; letter-spacing: normal; line-height:=
18px; padding-left: 30px; padding-right: 30px; padding-top: 15px; width: 1=
00%;">
<p style=3D"margin: 0px;"><span style=3D"font-size: 13px; line-height: 18px=
;">We aim to show you part of your postcode where we can, so you know this =
email is from us and not random spam – just one of <a style=3D"color:=
#646068;" href=3D"https://t18.notifications.rbs.co.uk/r/=3Fid=3Dh9d801dd1,=
a0217633,8035e2cd&e=3DY2lkPURNNTY1ODE4JmJpZD0tMTY1MjU0ODE0MyZjaW49MTA1MTYwO=
DkxOA&s=3DulAu8SZNJ3ZjoTsyoB1nAdNRpHFE7EvHhbs4qiWqMHY"><span style=3D"color=
: #5e10b1;"><u>the ways we’re keeping you safe</u></span></a>.</span>=
</p>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-11" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 13px; font-weight: normal; letter-spacing: normal; line-height:=
18px; padding-left: 30px; padding-right: 30px; padding-top: 15px; width: 1=
00%;">
<p style=3D"margin: 0px; font-weight: inherit; font-size: inherit; line-hei=
ght: inherit;"><span style=3D"font-size: 13px; line-height: 18px;">By click=
ing on links in this email, you agree to Royal Bank of Scotland using cooki=
es to track your interaction, to improve the performance of our communicati=
ons, understand your interests, and to personalise our future emails to you=
.</span></p>
<p style=3D"margin: 0px; font-weight: inherit; font-size: inherit; line-hei=
ght: inherit;"><span style=3D"font-size: 13px; line-height: 18px;"> </=
span></p>
<p style=3D"margin: 0px; font-weight: inherit; font-size: inherit; line-hei=
ght: inherit;"><span style=3D"font-size: 13px; line-height: 18px;">If you d=
o not want your interactions with this email below tracked you can visit ou=
r website by clicking this un-tracked link about <a style=3D"color: #646068=
;" href=3D"http://rbs.co.uk/savings/isa-overview/autumn-budget/autumn-budge=
t-article.html=3Fextcam=3DRE_R_EMC_0_SAV_AugBudget_RBCoreMktW_Service_Heade=
r_CRM" _label=3D"Non-tracked link"><span style=3D"color: #5e10b1;"><u>Budge=
t overview</u></span></a><span style=3D"background-color: transparent;">.</=
span></span></p>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"600" class=3D"st-wrapper st-wrapper-background=
st-module-wrapper-table" style=3D"width: 600px;">
<tr>
<td width=3D"100%" bgcolor=3D"#FFFFFF" valign=3D"top" class=3D"st-dynamic-4=
53wc4bm1mkbf" style=3D"width: 100%;">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"600" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 600px;">
<tr>
<td align=3D"center" valign=3D"top" width=3D"600">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation">
<tr>
<td width=3D"100%" align=3D"center" valign=3D"top" class=3D"__scope__1k0be"=
style=3D"width: 100%;"><table width=3D"100%" border=3D"0" cellpadding=3D"0=
" cellspacing=3D"0" role=3D"presentation">
<tr class=3D"st-hide-mobile">
<td width=3D"100%" valign=3D"top" align=3D"center" style=3D"width: 100%;">
<p height=3D"9" width=3D"100%" style=3D"mso-line-height-rule:exactly; mso-t=
able-lspace:0pt; mso-table-rspace:0pt; text-size-adjust:100%; width: 100%; =
height: 9px; max-height: 9px; margin: 0px; font-size: 9px; line-height: 9px=
">
</p>
</td>
</tr>
<!--[if !mso]><!-->
<tr class=3D"st-hide-desktop" style=3D"display: none;">
<td width=3D"100%" valign=3D"top" align=3D"center" style=3D"width: 100%;">
<p height=3D"9" width=3D"100%" style=3D"mso-line-height-rule:exactly; mso-t=
able-lspace:0pt; mso-table-rspace:0pt; text-size-adjust:100%; width: 100%; =
height: 9px; max-height: 9px; margin: 0px; font-size: 9px; line-height: 9px=
">
</p>
</td>
</tr> <!--<![endif]-->
</table></td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"600" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 600px;">
<tr>
<td align=3D"center" valign=3D"top" width=3D"600">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation">
<tr class=3D"st-hide-mobile">
<td width=3D"100%" valign=3D"top" align=3D"center" class=3D"st-dynamic-h3y0=
jjlak87hk" style=3D"width: 100%;"><img border=3D"0" valign=3D"top" width=3D=
"600" src=3D"https://res18.notifications.natwest.com/res/img/931A2D5A5FF29A=
2AFB7B067A27D09329.png" alt=3D"Making sense of the changes" title=3D"" clas=
s=3D"st-hide-mobile st-mobile-width-constraint" style=3D"border: 0px; displ=
ay: block; width: 600px; max-width: 100%;"> <!--[if !mso 12]><!-->
<div class=3D"show-img-mobile st-dynamic-h3y0jjlak87hk" style=3D"display: n=
one; width: 0px; overflow: hidden;"><img src=3D"https://res18.notifications=
.natwest.com/res/img/8B3F9DD813A3169C97DADD94EAA86E2F.png" border=3D"0" wid=
th=3D"600" valign=3D"top" alt=3D"Making sense of the changes" title=3D"" cl=
ass=3D"st-mobile-width-constraint" style=3D"display: block; border: none; m=
ax-width: 100%; height: auto; width: 600px;"></div> <!--<![endif]-->
</td>
</tr> <!--[if !mso]><!-->
<tr class=3D"st-hide-desktop" style=3D"display: none;">
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"st-dynamic-mxzo2l=
gjly7ll" style=3D"width: 100%;"><img border=3D"0" valign=3D"top" width=3D"4=
80" src=3D"https://res18.notifications.natwest.com/res/img/E7284EB0F2876D35=
82B5EA500D92A4FD.jpg" alt=3D"Making sense of the changes" title=3D"" class=
=3D"st-hide-mobile st-mobile-width-constraint" style=3D"border: 0px; displa=
y: block; width: 480px; max-width: 100%;"> <!--[if !mso 12]><!-->
<div class=3D"show-img-mobile st-dynamic-95hyvxocmu4w3" style=3D"display: n=
one; width: 0px; overflow: hidden;"><img src=3D"https://res18.notifications=
.natwest.com/res/img/99FD93FEE7AA3C7CEEDEEFBFB1D4FD12.png" border=3D"0" wid=
th=3D"480" valign=3D"top" alt=3D"Making sense of the changes" title=3D"" cl=
ass=3D"st-mobile-width-constraint" style=3D"display: block; border: none; m=
ax-width: 100%; height: auto; width: 480px;"></div> <!--<![endif]-->
</td>
</tr> <!--<![endif]-->
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"600" class=3D"st-wrapper st-wrapper-background=
st-module-wrapper-table" style=3D"width: 600px;">
<tr>
<td width=3D"100%" bgcolor=3D"#FFFFFF" valign=3D"top" class=3D"st-dynamic-v=
mzwx86sws1cb" style=3D"width: 100%; padding-left: 30px; padding-right: 30px=
;">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"540" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 540px;">
<tr>
<td align=3D"center" valign=3D"bottom" width=3D"540">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation">
<tr>
<td width=3D"100%" align=3D"center" valign=3D"top" class=3D"__scope__1s7ni"=
style=3D"width: 100%;"><table width=3D"100%" border=3D"0" cellpadding=3D"0=
" cellspacing=3D"0" role=3D"presentation">
<tr class=3D"st-hide-mobile">
<td width=3D"100%" valign=3D"top" align=3D"center" style=3D"width: 100%;">
<p height=3D"9" width=3D"100%" style=3D"mso-line-height-rule:exactly; mso-t=
able-lspace:0pt; mso-table-rspace:0pt; text-size-adjust:100%; width: 100%; =
height: 9px; max-height: 9px; margin: 0px; font-size: 9px; line-height: 9px=
">
</p>
</td>
</tr>
<!--[if !mso]><!-->
<tr class=3D"st-hide-desktop" style=3D"display: none;">
<td width=3D"100%" valign=3D"top" align=3D"center" style=3D"width: 100%;">
<p height=3D"9" width=3D"100%" style=3D"mso-line-height-rule:exactly; mso-t=
able-lspace:0pt; mso-table-rspace:0pt; text-size-adjust:100%; width: 100%; =
height: 9px; max-height: 9px; margin: 0px; font-size: 9px; line-height: 9px=
">
</p>
</td>
</tr> <!--<![endif]-->
</table></td>
</tr> <!--[if !mso]><!--> <!--<![endif]-->
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-16 st-dynamic-=
5q93f7hy12cbe" style=3D"text-align: left; font-family: Arial, Helvetica, sa=
ns-serif; color: #646068; font-size: 14px; font-weight: normal; letter-spac=
ing: normal; line-height: 20px; padding-bottom: 9px; padding-top: 9px; widt=
h: 100%;">
<p style=3D"margin: 0px;">Hello Vincent,</p>
<p style=3D"margin: 0px;">‌<br /></p>
<p style=3D"margin: 0px;">The government has announced changes to cash ISA =
limits in the recent Budget.</p>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"st-dynamic-5q93f7=
hy12cbe">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" align=3D"left" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"30" valign=3D"top" class=3D"mob-w30 st-dynamic-7gplmxc6kaegs" =
style=3D"width: 30px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0"> </table>
</td>
<td width=3D"510" valign=3D"top" style=3D"width: 510px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0"> </table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"st-dynamic-5q93f7=
hy12cbe">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" align=3D"left" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"30" valign=3D"top" class=3D"mob-w30 st-dynamic-7gplmxc6kaegs" =
style=3D"width: 30px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0"> </table>
</td>
<td width=3D"510" valign=3D"top" style=3D"width: 510px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0"> </table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"st-dynamic-5q93f7=
hy12cbe">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" align=3D"left" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"30" valign=3D"top" class=3D"mob-w30 st-dynamic-7gplmxc6kaegs" =
style=3D"width: 30px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0"> </table>
</td>
<td width=3D"510" valign=3D"top" style=3D"width: 510px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0"> </table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"540" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 540px;">
<tr>
<td align=3D"center" valign=3D"bottom" width=3D"540" class=3D"st-dynamic-7g=
plmxc6kaegs">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation">
<tr>
<td width=3D"100%" align=3D"center" valign=3D"top" class=3D"__scope__qgfdc"=
style=3D"width: 100%;"><table width=3D"100%" border=3D"0" cellpadding=3D"0=
" cellspacing=3D"0" role=3D"presentation">
<tr class=3D"st-hide-mobile">
<td width=3D"100%" valign=3D"top" align=3D"center" style=3D"width: 100%;">
<p height=3D"9" width=3D"100%" style=3D"mso-line-height-rule:exactly; mso-t=
able-lspace:0pt; mso-table-rspace:0pt; text-size-adjust:100%; width: 100%; =
height: 9px; max-height: 9px; margin: 0px; font-size: 9px; line-height: 9px=
">
</p>
</td>
</tr>
<!--[if !mso]><!-->
<tr class=3D"st-hide-desktop" style=3D"display: none;">
<td width=3D"100%" valign=3D"top" align=3D"center" style=3D"width: 100%;">
<p height=3D"9" width=3D"100%" style=3D"mso-line-height-rule:exactly; mso-t=
able-lspace:0pt; mso-table-rspace:0pt; text-size-adjust:100%; width: 100%; =
height: 9px; max-height: 9px; margin: 0px; font-size: 9px; line-height: 9px=
">
</p>
</td>
</tr> <!--<![endif]-->
</table></td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"600" class=3D"st-wrapper st-wrapper-background=
st-module-wrapper-table" style=3D"width: 600px;">
<tr>
<td width=3D"100%" bgcolor=3D"#FFEAE6" valign=3D"top" class=3D"st-dynamic-v=
mzwx86sws1cb" style=3D"width: 100%; padding-left: 30px; padding-right: 30px=
;">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"540" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 540px;">
<tr>
<td align=3D"center" valign=3D"bottom" width=3D"540">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation">
<tr>
<td width=3D"100%" align=3D"center" valign=3D"top" class=3D"__scope__i566q"=
style=3D"width: 100%;"><table width=3D"100%" border=3D"0" cellpadding=3D"0=
" cellspacing=3D"0" role=3D"presentation">
<tr class=3D"st-hide-mobile">
<td width=3D"100%" valign=3D"top" align=3D"center" style=3D"width: 100%;">
<p height=3D"9" width=3D"100%" style=3D"mso-line-height-rule:exactly; mso-t=
able-lspace:0pt; mso-table-rspace:0pt; text-size-adjust:100%; width: 100%; =
height: 9px; max-height: 9px; margin: 0px; font-size: 9px; line-height: 9px=
">
</p>
</td>
</tr>
<!--[if !mso]><!-->
<tr class=3D"st-hide-desktop" style=3D"display: none;">
<td width=3D"100%" valign=3D"top" align=3D"center" style=3D"width: 100%;">
<p height=3D"9" width=3D"100%" style=3D"mso-line-height-rule:exactly; mso-t=
able-lspace:0pt; mso-table-rspace:0pt; text-size-adjust:100%; width: 100%; =
height: 9px; max-height: 9px; margin: 0px; font-size: 9px; line-height: 9px=
">
</p>
</td>
</tr> <!--<![endif]-->
</table></td>
</tr> <!--[if !mso]><!--> <!--<![endif]-->
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-24 st-dynamic-=
5q93f7hy12cbe" style=3D"text-align: left; font-family: Arial, Helvetica, sa=
ns-serif; color: #333333; font-size: 22px; font-weight: 700; letter-spacing=
: normal; line-height: 26px; padding-bottom: 9px; padding-top: 9px; width: =
100%;">
<p style=3D"margin: 0px; text-align: left;"><span style=3D"color: #5a287d;"=
><strong>What’s changing from 6 April 2027</strong></span></p>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-16 st-dynamic-=
5q93f7hy12cbe" style=3D"text-align: left; font-family: Arial, Helvetica, sa=
ns-serif; color: #646068; font-size: 14px; font-weight: normal; letter-spac=
ing: normal; line-height: 20px; padding-bottom: 9px; padding-top: 9px; widt=
h: 100%;">
<p style=3D"margin: 0px;">Your total annual ISA allowance will still be <st=
rong>£20,000</strong>, but the way you can use it will change for thos=
e under 65:</p>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"st-dynamic-5q93f7=
hy12cbe">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" align=3D"left" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"30" valign=3D"top" class=3D"mob-w30 st-dynamic-7gplmxc6kaegs" =
style=3D"width: 30px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" class=3D"st-dynamic-h6lm=
wkiy4rcwv" style=3D"padding-top: 5px; width: 100%;"><img border=3D"0" valig=
n=3D"top" width=3D"30" src=3D"https://res18.notifications.natwest.com/res/i=
mg/B42CE9704B914029FCC18016C3E313D1.png" height=3D"30" alt=3D"" class=3D"st=
-mobile-width-constraint" style=3D"border: 0px; display: block; width: 30px=
; max-width: 100%;"> </td>
</tr>
</table>
</td>
<td width=3D"510" valign=3D"top" style=3D"width: 510px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-16" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 14px; font-weight: normal; letter-spacing: normal; line-height:=
20px; padding: 9px 15px; width: 100%;">
<p class=3D"MsoNormal" style=3D"margin: 0px;">You’ll be able to put <=
strong>up to £12,000 in a cash ISA</strong> each tax year.</p>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"st-dynamic-5q93f7=
hy12cbe">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" align=3D"left" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"30" valign=3D"top" class=3D"mob-w30 st-dynamic-7gplmxc6kaegs" =
style=3D"width: 30px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" class=3D"st-dynamic-xyr1=
xi2426g3k" style=3D"padding-top: 5px; width: 100%;"><img border=3D"0" valig=
n=3D"top" width=3D"30" src=3D"https://res18.notifications.natwest.com/res/i=
mg/B42CE9704B914029FCC18016C3E313D1.png" height=3D"30" alt=3D"" class=3D"st=
-mobile-width-constraint" style=3D"border: 0px; display: block; width: 30px=
; max-width: 100%;"> </td>
</tr>
</table>
</td>
<td width=3D"510" valign=3D"top" style=3D"width: 510px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-16" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 14px; font-weight: normal; letter-spacing: normal; line-height:=
20px; padding: 9px 15px; width: 100%;">
<p class=3D"MsoNormal" style=3D"margin: 0px;">The rest – up to <stron=
g>£8,000</strong> – could go into a stocks and shares ISA.</p>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"st-dynamic-5q93f7=
hy12cbe">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" align=3D"left" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"30" valign=3D"top" class=3D"mob-w30 st-dynamic-7gplmxc6kaegs" =
style=3D"width: 30px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" class=3D"st-dynamic-h6lm=
wkiy4rcwv" style=3D"padding-top: 5px; width: 100%;"><img border=3D"0" valig=
n=3D"top" width=3D"30" src=3D"https://res18.notifications.natwest.com/res/i=
mg/B42CE9704B914029FCC18016C3E313D1.png" height=3D"30" alt=3D"" class=3D"st=
-hide-mobile st-mobile-width-constraint" style=3D"border: 0px; display: blo=
ck; width: 30px; max-width: 100%;"> <!--[if !mso 12]><!-->
<div class=3D"show-img-mobile st-dynamic-1uiyjxezmy047" style=3D"display: n=
one; width: 0px; overflow: hidden;"><img src=3D"https://res18.notifications=
.natwest.com/res/img/B42CE9704B914029FCC18016C3E313D1.png" border=3D"0" wid=
th=3D"30" valign=3D"top" height=3D"30" alt=3D"" class=3D"st-mobile-width-co=
nstraint" style=3D"display: block; border: none; max-width: 100%; height: a=
uto; width: 30px;"></div> <!--<![endif]-->
</td>
</tr>
</table>
</td>
<td width=3D"510" valign=3D"top" style=3D"width: 510px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-16" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 14px; font-weight: normal; letter-spacing: normal; line-height:=
20px; padding: 9px 15px; width: 100%;">
<p class=3D"MsoNormal" style=3D"margin: 0px;">Or, you can choose any combin=
ation that suits you, as long as you don=E2=80=99t exceed <strong>=C2=A312,=
000</strong> in a cash ISA and your total across both types of ISAs doesn=
=E2=80=99t go over the <strong>=C2=A320,000 total ISA allowance</strong>.</=
p>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"st-dynamic-5q93f7=
hy12cbe">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" align=3D"left" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"30" valign=3D"top" class=3D"mob-w30 st-dynamic-7gplmxc6kaegs" =
style=3D"width: 30px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" class=3D"st-dynamic-h6lm=
wkiy4rcwv" style=3D"padding-top: 5px; width: 100%;"><img border=3D"0" valig=
n=3D"top" width=3D"30" src=3D"https://res18.notifications.natwest.com/res/i=
mg/B42CE9704B914029FCC18016C3E313D1.png" height=3D"30" alt=3D"" class=3D"st=
-hide-mobile st-mobile-width-constraint" style=3D"border: 0px; display: blo=
ck; width: 30px; max-width: 100%;"> <!--[if !mso 12]><!-->
<div class=3D"show-img-mobile st-dynamic-1uiyjxezmy047" style=3D"display: n=
one; width: 0px; overflow: hidden;"><img src=3D"https://res18.notifications=
.natwest.com/res/img/B42CE9704B914029FCC18016C3E313D1.png" border=3D"0" wid=
th=3D"30" valign=3D"top" height=3D"30" alt=3D"" class=3D"st-mobile-width-co=
nstraint" style=3D"display: block; border: none; max-width: 100%; height: a=
uto; width: 30px;"></div> <!--<![endif]-->
</td>
</tr>
</table>
</td>
<td width=3D"510" valign=3D"top" style=3D"width: 510px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-16" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 14px; font-weight: normal; letter-spacing: normal; line-height:=
20px; padding: 9px 15px; width: 100%;">
<p class=3D"MsoNormal" style=3D"margin: 0px;">The annual limit for stocks &=
shares ISAs remains at <strong>=C2=A320,000</strong>.</p>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"st-dynamic-5q93f7=
hy12cbe">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" align=3D"left" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"30" valign=3D"top" class=3D"mob-w30 st-dynamic-7gplmxc6kaegs" =
style=3D"width: 30px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" class=3D"st-dynamic-h6lm=
wkiy4rcwv" style=3D"padding-top: 5px; width: 100%;"><img border=3D"0" valig=
n=3D"top" width=3D"30" src=3D"https://res18.notifications.natwest.com/res/i=
mg/B42CE9704B914029FCC18016C3E313D1.png" height=3D"30" alt=3D"" class=3D"st=
-hide-mobile st-mobile-width-constraint" style=3D"border: 0px; display: blo=
ck; width: 30px; max-width: 100%;"> <!--[if !mso 12]><!-->
<div class=3D"show-img-mobile st-dynamic-1uiyjxezmy047" style=3D"display: n=
one; width: 0px; overflow: hidden;"><img src=3D"https://res18.notifications=
.natwest.com/res/img/B42CE9704B914029FCC18016C3E313D1.png" border=3D"0" wid=
th=3D"30" valign=3D"top" height=3D"30" alt=3D"" class=3D"st-mobile-width-co=
nstraint" style=3D"display: block; border: none; max-width: 100%; height: a=
uto; width: 30px;"></div> <!--<![endif]-->
</td>
</tr>
</table>
</td>
<td width=3D"510" valign=3D"top" style=3D"width: 510px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-16" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 14px; font-weight: normal; letter-spacing: normal; line-height:=
20px; padding: 9px 15px; width: 100%;">
<p class=3D"MsoNormal" style=3D"margin: 0px;"><strong>For those aged 65 or =
over</strong>, these changes won=E2=80=99t apply. The full =C2=A320,000 ann=
ual ISA allowance will remain, which can be used across all ISAs.</p>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"540" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 540px;">
<tr>
<td align=3D"center" valign=3D"bottom" width=3D"540" class=3D"st-dynamic-7g=
plmxc6kaegs">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-16 st-dynamic-=
5q93f7hy12cbe" style=3D"text-align: left; font-family: Arial, Helvetica, sa=
ns-serif; color: #646068; font-size: 14px; font-weight: normal; letter-spac=
ing: normal; line-height: 20px; padding-bottom: 9px; padding-top: 9px; widt=
h: 100%;">
<p style=3D"margin: 0px;">The changes only apply to new contributions from =
<strong>6 April 2027</strong> onwards, so you still have this tax year and =
the next to save up to <strong>=C2=A320,000 in a cash ISA tax free</strong>=
, if that=E2=80=99s right for you. </p>
<p style=3D"margin: 0px;">‌<br /></p>
<p style=3D"margin: 0px;">Any money already saved in your cash ISA from thi=
s year or previous years, should stay protected and continue to earn tax-fr=
ee interest.</p>
<p style=3D"margin: 0px;">‌<br /></p>
<p style=3D"margin: 0px;">No changes have been made to the Junior ISAs allo=
wance, which remains at =C2=A39,000 each tax year per child.</p>
<p style=3D"margin: 0px;">‌<br /></p>
<p style=3D"margin: 0px;">Separate to the changes announced for ISAs, from =
April 2027, the income tax you pay on interest received from savings, (over=
your personal savings allowance and outside of ISAs) will increase to 22% =
for basic-rate taxpayers, 42% for higher-rate taxpayers and 47% for additio=
nal-rate taxpayers.</p>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" class=3D"premierbtn pri-=
hover" style=3D"padding-top: 22px; padding-bottom: 22px; width: 100%;"><!--=
[if mso]>
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700; letter-spacing: normal; mso-line-height-rule: exactly; line-height: 24=
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kPURNNTY1ODE4JmJpZD0tMTY1MjU0ODE0MyZjaW49MTA1MTYwODkxOA&s=3D4vaRqwL6km5d1il=
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height: 9px; max-height: 9px; margin: 0px; font-size: 9px; line-height: 9px=
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<td width=3D"100%" valign=3D"top" align=3D"center" style=3D"width: 100%;">
<p height=3D"9" width=3D"100%" style=3D"mso-line-height-rule:exactly; mso-t=
able-lspace:0pt; mso-table-rspace:0pt; text-size-adjust:100%; width: 100%; =
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<td width=3D"100%" valign=3D"top" align=3D"center"> <!-- FOOTER START -->
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co.uk/r/=3Fid=3Dh9d801dd1,a0217633,8035e2d4" target=3D"_blank" style=3D"dis=
play: block;"><img border=3D"0" valign=3D"top" width=3D"35" src=3D"https://=
res18.notifications.natwest.com/res/img/ECBDA2BC0C8BA5A04549C45DD4595A3B.pn=
g" alt=3D"Facebook" title=3D"" class=3D"st-mobile-width-constraint" style=
=3D"border: 0px; display: block; width: 35px; max-width: 100%;"> </a></td>
</tr>
</table>
</td>
<td width=3D"95" valign=3D"top" class=3D"mob-w95" style=3D"width: 95px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" class=3D"st-dynamic-60n5=
2i5uow5du" style=3D"padding-left: 5px; padding-right: 5px; width: 100%;"><a=
href=3D"https://t18.notifications.rbs.co.uk/r/=3Fid=3Dh9d801dd1,a0217633,8=
035e2d5" target=3D"_blank" style=3D"display: block;"><img border=3D"0" vali=
gn=3D"top" width=3D"35" src=3D"https://res18.notifications.natwest.com/res/=
img/8CAA10BFF959E5EC3805662CA663E13E.png" alt=3D"Instagram" title=3D"" clas=
s=3D"st-hide-mobile st-mobile-width-constraint" style=3D"border: 0px; displ=
ay: block; width: 35px; max-width: 100%;"> <!--[if !mso 12]><!-->
<div class=3D"show-img-mobile st-dynamic-60n52i5uow5du" style=3D"display: n=
one; width: 0px; overflow: hidden;"><img src=3D"https://res18.notifications=
.natwest.com/res/img/8CAA10BFF959E5EC3805662CA663E13E.png" border=3D"0" wid=
th=3D"35" valign=3D"top" alt=3D"Instagram" title=3D"" class=3D"st-mobile-wi=
dth-constraint" style=3D"display: block; border: none; max-width: 100%; hei=
ght: auto; width: 35px;"></div> <!--<![endif]-->
</a></td>
</tr>
</table>
</td>
<td width=3D"35" valign=3D"top" class=3D"mob-w36" style=3D"width: 35px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" class=3D"st-dynamic-60n5=
2i5uow5du" style=3D"width: 100%;"><a href=3D"https://t18.notifications.rbs.=
co.uk/r/=3Fid=3Dh9d801dd1,a0217633,8035e2d6" target=3D"_blank" style=3D"dis=
play: block;"><img border=3D"0" valign=3D"top" width=3D"35" src=3D"https://=
res18.notifications.natwest.com/res/img/B42A6F384DABF654B93CEEFCAB74404E.pn=
g" alt=3D"TikTok" title=3D"" class=3D"st-hide-mobile st-mobile-width-constr=
aint" style=3D"border: 0px; display: block; width: 35px; max-width: 100%;">=
<!--[if !mso 12]><!-->
<div class=3D"show-img-mobile st-dynamic-60n52i5uow5du" style=3D"display: n=
one; width: 0px; overflow: hidden;"><img src=3D"https://res18.notifications=
.natwest.com/res/img/B42A6F384DABF654B93CEEFCAB74404E.png" border=3D"0" wid=
th=3D"35" valign=3D"top" alt=3D"TikTok" title=3D"" class=3D"st-mobile-width=
-constraint" style=3D"display: block; border: none; max-width: 100%; height=
: auto; width: 35px;"></div> <!--<![endif]-->
</a></td>
</tr>
</table>
</td>
<td width=3D"217" valign=3D"top" style=3D"width: 217px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" style=3D"width: 100%;">
<p height=3D"0" width=3D"100%" style=3D"mso-line-height-rule:exactly; mso-t=
able-lspace:0pt; mso-table-rspace:0pt; text-size-adjust:100%; width: 100%; =
height: 0px; max-height: 0px; margin: 0px; font-size: 0px; line-height: 0px=
">
</p>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"600" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 600px;">
<tr>
<td align=3D"center" valign=3D"top" width=3D"600">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-16-footer st-d=
ynamic-65h1uv5qs3zp6" style=3D"text-align: left; font-family: Arial, Helvet=
ica, sans-serif; color: #646068; font-size: 14px; font-weight: 700; letter-=
spacing: normal; line-height: 18px; padding: 30px 30px 32px; width: 100%;">
<p style=3D"text-align: left; margin: 0px;"><span style=3D"font-size: 14px;=
line-height: 18px;">The Royal Bank of Scotland plc. Registered in Scotland=
No. SC083026.<span style=3D"display: inline;" class=3D"st-hide-mobile"><br=
></span>Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB. Financia=
l Services Firm Reference Number 114724.</span></p>
<p style=3D"margin: 0px;"><span style=3D"font-size: 14px; line-height: 18px=
;"> </span></p>
<p style=3D"margin: 0px;"><span style=3D"font-size: 14px; line-height: 18px=
;">Authorised by the Prudential Regulation Authority and regulated by the F=
inancial Conduct Authority and the Prudential Regulation Authority.</span><=
/p>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table> <!-- FOOTER END -->
</td>
</tr><!--[if false]><!-->
<tr>
<td class=3D"st-gmail-fix" style=3D"background-color: #FFFFFF;font-size:0; =
line-height: 0; height: 0; min-width: 600px;">
</td>
</tr><!--<![endif]-->
</table>=09=09=09=09=09=09=09=09=09=09</body>
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