The Martin Lewis Podcast Isa Isa Baby! Everything you need to know before the end of the tax year
Mar 19, 2026
Ed Marshall, a chartered financial planner who advises on ISAs and investments, joins the chat. They cover ISA basics, allowances and transfer rules. Conversations include cash versus stocks ISAs, top cash rates, diversification and passive tracker funds. Practical tips on timing transfers, pound-cost averaging and platform costs are also discussed.
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Energy Price Spike Threatens Bigger Bill Rises
- Recent Middle East tensions spiked natural gas and oil, threatening higher UK energy price cap increases beyond earlier 13% estimates.
- Martin warns fixes cheaper than the cap have largely vanished and support for off-grid heating oil will be a postcode-lottery from April.
Avoid Oversubscribing Your ISA Limit
- Monitor total contributions across all providers to avoid oversubscribing the £20,000 limit this tax year.
- If you do exceed it, contact your ISA provider or HMRC so they can correct the oversubscription rather than withdrawing yourself.
Compare Cash ISA Rates In ISA Season
- Shop ISA cash rates during ISA season (mid-March to mid-May) and compare new-customer and transfer-friendly offers before 5 April.
- Check caveats: new-customer bonuses, transfer limits, withdrawal caps and whether rates are comparison-site only.