{"id":17434,"date":"2023-08-18T14:40:08","date_gmt":"2023-08-18T13:40:08","guid":{"rendered":"https:\/\/www.langricks.com\/?p=17434"},"modified":"2023-08-18T14:40:08","modified_gmt":"2023-08-18T13:40:08","slug":"the-savings-tax-trap-continues-to-bite-in-2023-24","status":"publish","type":"post","link":"https:\/\/dev.withcreative.co.uk\/langricks\/the-savings-tax-trap-continues-to-bite-in-2023-24\/","title":{"rendered":"The savings tax trap continues to bite in 2023\/24"},"content":{"rendered":"<p style=\"font-weight: 400;\">It might surprise you to know that HMRC collected \u00a33.4bn worth of savings tax last year, a rapid increase of \u00a31.2bn from the year before. This significant rise is due to the frozen savings allowances and the recent changes in the interest rate cycle, with ever rising interest rates benefitting more individuals compared to the last 15 years since the 2007\/08 financial crash.<\/p>\n<h3 style=\"font-weight: 400;\"><strong><u>Savings income includes interest received on:<\/u><\/strong><\/h3>\n<ul>\n<li>Bank and building society accounts.<\/li>\n<li>National Savings and Investments (NS&amp;I) accounts (this is different to interest on National Savings &amp; Investment Certificates, which are exempt)<\/li>\n<li>Government stocks<\/li>\n<\/ul>\n<p style=\"font-weight: 400;\"><strong><u>The Personal Savings Allowances explained:<\/u><\/strong><\/p>\n<p style=\"font-weight: 400;\">This allowance is an amount you can receive before HMRC start imposing income tax on your savings interest received. HMRC have different saving allowances depending on your income from other sources such as employment income:<\/p>\n<p style=\"font-weight: 400;\"><strong>\u00a35,000 starting rate band<\/strong> \u2013 where taxable non-savings income (employment) is less than \u00a35,000 interest income is taxed at a starting rate of 0% until taxable income reaches \u00a35,000.<\/p>\n<p style=\"font-weight: 400;\"><strong>\u00a31,000 basic rate band<\/strong> \u2013 where taxable non savings income exceeds \u00a317,570 and doesn\u2019t exceed \u00a337,700, interest income is taxed at 0% up until \u00a31000. It is then taxed at 20% thereafter.<\/p>\n<p style=\"font-weight: 400;\"><strong>\u00a3500 higher rate band<\/strong> \u2013 where taxable non savings income exceeds \u00a337,700 and doesn\u2019t exceed \u00a3125,140, interest income is taxed at 0% up until \u00a3500 It is then taxed at 40% thereafter.<\/p>\n<p style=\"font-weight: 400;\">Any individual with taxable non savings income exceeding \u00a3125,140 won\u2019t be entitled to any allowances, any interest received will be taxed at the additional rate of 45%.<\/p>\n<p style=\"font-weight: 400;\">As you can see it\u2019s a complicated area and the interaction of your savings income and other types of income will impact whether you have to pay tax directly on your bank and building society interest.<\/p>\n<p style=\"font-weight: 400;\"><strong>With some interest rates now above 5% on term and notice \u00a0accounts, individuals with savings amounting to just \u00a310,000 to \u00a320,000 will be affected.<\/strong><\/p>\n<p style=\"font-weight: 400;\">Are you one of the 1.8 million UK savers that owe HMRC?<\/p>\n<p style=\"font-weight: 400;\"><strong>Get in touch if you need us to review your personal tax position on savings income \u2013 don\u2019t leave it too late to assess how much you owe HMRC.<\/strong><\/p>\n<p style=\"font-weight: 400;\"><strong>Contact Thomas Roberts at :Thomas.roberts@langricks.co.uk OR ring 01484 690730<\/strong><\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\">\n","protected":false},"excerpt":{"rendered":"<p>It might surprise you to know that HMRC collected \u00a33.4bn worth of savings tax last year, a rapid increase of \u00a31.2bn from the year before. This significant rise is due to the frozen savings allowances and the recent changes in the interest rate cycle, with ever rising interest rates benefitting more individuals compared to the [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":15171,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-17434","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-articles"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The savings tax trap continues to bite in 2023\/24 - Langricks Chartered Accountants and Business Advisers<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/dev.withcreative.co.uk\/langricks\/the-savings-tax-trap-continues-to-bite-in-2023-24\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The savings tax trap continues to bite in 2023\/24 - Langricks Chartered Accountants and Business Advisers\" \/>\n<meta property=\"og:description\" content=\"It might surprise you to know that HMRC collected \u00a33.4bn worth of savings tax last year, a rapid increase of \u00a31.2bn from the year before. 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