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HMRC Tax-free savings newsletters
Published
04 November 2025
5 min read
HMRC issue tax-free savings newsletters. These cover almost anything to do with ISAs and contain valuable information
2025
Tax-free savings newsletter 18 — November 2025
This edition includes information on the following:
- Financial Conduct Authority rule change — cryptoasset Exchange Traded Notes
- National Insurance Number requirements — reinforcing data accuracy
- Application programming interface schema release update
- Cumulative model confirmed as preferred approach 
- ISA reporting service — user research
Tax-free savings newsletter 17 — July 2025
This edition includes information on the following:
- Changes to regulations
- European Economic Area Undertakings for Collective Investment in Transferable Securities and the Overseas Funds Regime
- Long-Term Asset Funds
- Flexible Individual Savings Account
- National Insurance number
- Individual Savings Account managers guidance updates
- Investor queries
- Individual Savings Account applications
Tax-free savings newsletter 16 — April 2025
This edition includes information on the following:
- Individual Savings Accounts (ISA) stocks and shares investments
- American Depositary Receipts and American Depositary Shares
- Changes to investments held in a stocks and shares ISA
- Lifetime ISA (LISA) subscriptions
- First payment date
- Subscribing to more than one Lifetime ISA in a tax year
- ISA managers guidance
- ISA model application form
- National Insurance numbers
- ISA transfer history forms and guidance
- How to close, void or repair an ISA
- Technical consultation on draft changes to the ISA regulations
Tax-free savings newsletter 15 — January 2025
This edition includes information on the following:
- Individual Savings Account (ISA) manager guidance
- Additional Permitted Subscriptions
- National Insurance number
- Repair of an ISA account where the overall subscription has exceeded the legislative limit
- Current year subscriptions
- Partial transfers of current year subscriptions
- Transfers of accounts with no change in manager
- European Economic Area (EEA) Undertakings for Collective Investment in Transferable Securities (UCITS) and the Overseas Funds Regime (OFR)
- Extended period for issuing tax calculation (P800) letters
2024
Tax-free savings newsletter 14 — October 2024
This edition includes information on the following:
- Fractional Interests in Individual Savings Accounts (ISAs) and Child Trust Funds (CTFs)
- Individual Savings Account (ISA) amendment to regulations
- Partial transfers of current year subscriptions
- National Insurance number
- Individual Savings Account (ISA) manager guidance
- Repair of an ISA account where the overall subscription has exceeded the legislative limit
- Current year subscriptions
- Previous year subscriptions
- Additional permitted subscriptions
- Repair of an ISA account where the overall subscription has exceeded the legislative limit
- European Economic Area (EEA) Undertakings for Collective Investment in Transferable Securities (UCITS) and the Overseas Funds Regime (OFR)
- Individual Savings Account (ISA) digitalisation of ISA Reporting
Tax-free savings newsletter 13 — September 2024
This edition includes information on the following:
- Lifetime ISA (LISA) manager guidance
- Investor queries
- Investor personal details
- Fractional interests in Individual Savings Accounts (ISA) and Child Trust Funds (CTF)
- Annual savings statistics
Tax-free savings newsletter 12 — May 2024
This edition includes information on the following:
- Individual Savings Account (ISA) manager guidance
- Subscriptions to multiple Individual Savings Accounts (ISAs) of the same type
- Application forms — continuous applications
- Cash ISAs — transitional arrangements for 16 and 17 year olds
- ISA transfers — current year subscriptions transferred in full
- ISA transfers — current year subscription partially transferred
- Acceptance of partial transfers of current year subscriptions by ISA managers
- Flexible ISAs — multiple accounts
- Flexible ISAs — partial transfers
- Long Term Asset Funds (LTAFs) and funds with extended redemption periods
- Withdrawal of ISA manager approval
- Funding the purchase of a first-time residential property with a LISA
- EU and European Economic Area (EEA) based ISA managers without UK base
- Oversubscriptions
- Compliance
- Individual Savings Account (ISA) and Junior ISA manager returns
- Lifetime ISA (LISA)
- First payment date
- API requests
- Child Trust Funds (CTFs)
- Instructions post closure of matured Child Trust Fund (CTF)
- CTF returns of information for 2023 to 2024
Tax-free savings newsletter 11 — March 2024
This edition includes information on the following:
- Individual Savings Account (ISA) reform 2024
- Increase the age for opening cash ISAs from 16 to 18 years old and over
- Transitional arrangements
- Allow subscriptions to multiple ISAs of the same type, except for Lifetime ISA and Junior ISA
- Remove the requirement for an investor to make a new ISA application where an existing ISA account has received no subscription in the previous year
- Allow Long-Term Asset Funds (LTAFs) and other funds with extended redemption periods to be permitted investments in an innovative finance ISA
- Allow partial transfers of current year ISA subscriptions between ISA managers
- Full transfers
- Partial transfers
- Flexible ISA
- ISA manager withdrawal of approval by HMRC
- Funding the purchase of a first-time residential property with a Lifetime ISA
- Eligibility to apply for ISA manager status
- Digitalisation of ISA reporting
- Increase the age for opening cash ISAs from 16 to 18 years old and over
- Spring Budget 2024
- ISA manager contact details
- Lifetime Individual Savings Account (LISA) bonus payments
- LISA bonus claims
- LISA bonus claim period
- LISA API
- Child Trust Funds
2023
Tax-free savings newsletter 10 — November 2023
This edition includes information on the following:
- Autumn Statement 2023
- 2024 to 2025 Individual Savings Account (ISA) limits
- Help to Save
- ISA reform
- ISA Digitalisation
- Child Trust Funds (CTF)
- Lifetime ISA (LISA)
Tax-free savings newsletter 9 — October 2023
This edition includes information on the following:
- GOV.UK Updates
- Child Trust Funds
- Child Trust Fund provider list
- Individual Savings Accounts (ISA)
- Fractional Shares
- Permanent address
- Lifetime ISA
- Bank Details
- Applications
- Property Purchases
- Bonus Claims
Tax-free savings newsletter 8 — June 2023
This edition includes information on the following:
- Help to Save consultation
- Audits of ISA managers
- ISA returns
- Annual return of account information (COM100 return)
- Annual return of statistical information
- Interim and annual tax claims
- Applications
- Terms and conditions
- ISA returns
- Lifetime ISA (LISA)
- Setting up a LISA account
- First payment date
- LISA withdrawal charges
- Recognised Stock Exchanges
Tax-free savings newsletter 7 — March 2023
This edition includes information on the following:
- Spring Budget 2023
- 2023 to 2024 Individual Savings Account (ISA) limits
- Help to Save
- ISA and Child Trust Fund regulations consultation
- Amendments to Child Trust Fund and ISA regulations
- ISAs and Junior ISAs
- Changes to the list of approved ISA managers
- Changes to the status of listed investments
- Suspended listed investments
- Delisted investments
- ISA and Junior ISA manager returns of information and statistical information for 2022 to 2023
- ISA and Junior ISA subscriptions
- Child Trust Funds
- Child Trust Fund returns of information for 2022 to 2023
- Lifetime ISA
2022
Tax-free savings newsletter 6 — November 2022
This edition includes information on the following:
- Individual Savings Accounts (ISAs)
- ISA manager notification of changes form
- ISA10 and ISA14 claim forms
- Side Pocket investments — transfer requirements
- Contacting HMRC
- Child Trust Funds (CTF) and Junior ISAs (JISA)
- Request for withdrawal of ‘misdirected’ CTF or JISA payments
- Changes to CTF provider details
- Lifetime Individuals Savings Account (LISA)
- Bonus payments
- Direct Debits
- Transfers
- Testing API’s or uprating APIs
- Token resets
- Guidance
- Help to Save Statistics
Tax-free savings newsletter 5 — April 2022
This edition includes information on the following:
- Re-instating funds mistakenly released from a Child Trust Fund (CTF) or Junior ISA (JISA)
- ISA, Lifetime ISA (LISA), JISA and CTF annual subscription limits 2022 to 2023
- Changes to the JISA statistical returns
- The ISA14 annual claim form
- CTF returns of information for 2021 to 2022
- ISA manager returns of information and statistical information for 2021 to 2022
2021
Tax-free savings newsletter 4 — December 2021
This edition includes information on the following:
- Call for evidence — Individual Savings Accounts: compliance and penalties
- Guidance for ISA managers
- Lifetime ISA — conveyancer requests for extensions where house purchases are delayed
- London Capital & Finance (LCF) Government Compensation Scheme payments
- Ministry of Justice Consultation — Mental Capacity Act: Small Payments Scheme
- Multi-factor authentication for Child Trust Fund providers
Tax-free savings newsletter 3 — October 2021
This edition includes information on the following:
- Audits of ISA managers
- Changes to the Guidance for ISA managers – HMRC inspections of ISA managers
- List of approved ISA managers
- Lifetime ISA digital service
- Date of first LISA payment
- Bonus claims
- Errors in LISA reports to HMRC
- Contacting HMRC
Tax-free savings newsletter 2 — August 2021
This edition includes information on the following:
- Changes to the Guidance Notes for Child Trust Fund (CTF) providers
- Introduction
- Types of CTF
- Subscriptions to a CTF
- Management of the CTF
- Transferring a CTF
- Withdrawals from a CTF
- Returns of information
- CTF annual returns
- Guidance for CTF registered contacts
- List of approved ISA managers
- Reporting of flexible ISAs
- Audits of ISA managers
- Email alerts
Tax-free savings newsletter 1 — April 2021
This edition includes information on the following:
- Introduction
- Changes to the list of approved ISA managers
- ISA manager notification of changes
- Trading names
- ISA Components
- Changes to the ISA manager application form
- Audits of ISA managers
- Lifetime ISA (LISA) withdrawal charge
- Changes to the Child Trust Fund annual return
- ISA return of information
- Dates for submitting CTF returns for 2020 to 2021
- Test submissions and corrections
- Technical specification
- ISA manager returns of information and statistical information for 2020 to 2021
- Voiding of London Capital & Finance Innovative Finance ISAs
- Contacting HMRC
Disclaimer
The information provided is based on our current understanding of the relevant legislation and regulations and may be subject to alteration as a result of changes in legislation or practice. Also it may not reflect the options available under a specific product which may not be as wide as legislations and regulations allow.
All references to taxation are based on our understanding of current taxation law and practice and may be affected by future changes in legislation and the individual circumstances of the investor.