Last-minute ISA strategies: what to do with 25 days to go

If you haven't used any of your ISA allowance this year, the fastest option is an instant-access Cash ISA. Several providers offer same-day account opening with competitive rates.

Several app-based providers offer Cash ISAs that can be opened in minutes. Rates vary, so compare current deals, but even a modest rate beats leaving money in a 0% current account.

Transfer whatever you can afford — even £100 is better than nothing. You're not committing to anything long-term with an easy-access ISA, and the tax-free wrapper protects your interest permanently.

If you have a LISA and haven't contributed the maximum £4,000 this year, prioritise this. The 25% government bonus (up to £1,000 free) is unbeatable. No other savings product gives you a guaranteed 25% instant return.

Check your LISA balance and calculate how much room you have. Even a partial top-up gets a proportional bonus — £1,000 deposited means £250 free from the government.

Remember, LISA contributions count towards your overall £20,000 ISA allowance. If you max your LISA at £4,000, you still have £16,000 of ISA allowance for Cash or Stocks and Shares ISAs.

If you've been doing a savings challenge, for example with SYM, you likely have a pot of money sitting in your bank account. Moving it into an ISA before 5 April shelters it from future tax.

The 1p Challenge (Year 1) accumulates £667.95. The 52-Week Challenge reaches £1,378 over a full year. Even partial challenge proceeds are worth sheltering in an ISA.

Think of the ISA transfer as the 'final move' in your savings challenge — you've built the pot, now protect it from tax. It's the last step that maximises the value of all your saving effort.

ISA transfers don't affect your current year's allowance. If you have old ISAs earning poor rates, transfer them to a better-paying provider. This doesn't cost you anything and can significantly boost your returns.

Always use the official ISA transfer process (through your new provider, not by withdrawing and redepositing). Withdrawing from an ISA and putting money into a new one uses your current year's allowance. A formal transfer preserves everything.

This is free money in the sense that you're earning more interest on savings you've already made. A 1% rate improvement on £10,000 of old ISA savings is an extra £100/year for zero effort.

The biggest mistake people make is overthinking their ISA choice and missing the deadline entirely. Any reasonable Cash ISA is better than no ISA at all. You can always transfer to a better product later.

Don't spend three weeks researching the 'best' ISA when you could open one today in 10 minutes and start earning tax-free interest immediately. Analysis paralysis costs you money.

Open an easy-access Cash ISA right now. Put in whatever you can afford. If you find a better option later, transfer. But at least your money is inside the tax-free wrapper before the deadline hits.