Total annual ISA allowance Across all adult ISA wrappers combined
£20,000 Cash ISA Or split with Stocks & Shares
£20,000 Stocks & Shares ISA Within the £20k overall cap
£20,000 Lifetime ISA (LISA) + 25% gov bonus · Counts toward £20k
£4,000 Innovative Finance ISA Peer-to-peer lending · Within £20k cap
£20,000 Junior ISA (under 18) Separate from adult allowance
£9,000
Mix-and-match across wrappers, but total must not exceed £20,000 across all adult ISAs combined in one tax year.