Passing on your ISA allowance after death

You can choose to pass on your ISA allowance to your husband, wife or civil partner when you die. This gives them a one-off tax-free allowance of the whole value of the savings and investments in your ISA, which is added to their own ISA allowance. You can’t pass it on to anyone else.

This only applies to anyone in a marriage or civil partnership who has died since 3 December 2014. The surviving spouse will only get the increased ISA allowance from the start of the following tax year.

If you want your partner to inherit your tax-free ISA allowance, you need to make sure your will leaves your ISA to them.

Contact one of our advisors to today to discuss the ISA options available to you and which best fits your particular circumstances.

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Why undertake your ISA review with Periscope Wealth?

  • We are authorised and regulated by the FCA which provides you with protection.

  • We'll check the health of your current investments when we review them and only advise to switch if it benefits you.

  • We will provide you with regular communication, not just a statement and a letter once a year.

  • We are committed to the highest standards of client care.

  • All our ISA reviews are fully transparent, free and have no obligation to proceed.

  • We provide tailored advice based on your personal circumstances.

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