Maximum Savings Interest before I need to pay tax

Hi Olivia,
If the untaxed savings interest is less than £10K then you will not meet the criteria for Self Assessment: Check if you need to send a Self Assessment tax return.
At the tax year end the untaxed interest details will be submitted to HMRC and reviewed through your PAYE records. If you have underpaid your tax a calculation, P800, will be issued to you. 
Thank you.

Hi thesellfamily,
If your untaxed savings interest does not exceed £10,000, then you do not need to complete a Self Assessment tax return to declare your untaxed interst. If your savings interest exceeds £500 (but remains under £10.000), any tax due will be automatically calculated and paid through PAYE.
Please see: Tax on savings interest.
Thank you.

Can any unused ' starting rate for savings at 0%' and any unused 'personal savings allowance' be added to the 'dividend allowance'?

Hi,

No. These allowances only cover savings interest.

Thank you.

Hello there I wonder if you would clarify something (I have checked ALL of the guidance and help pages on HMRC and am none the wiser, hence this post): My wife has no paid employment, no state pension (not for a few years yet) and doesn't claim any benefits. This tax year she has taken a gross income from her private pension of £13,500.00 — which *includes* a tax-free amount of £2,750.00. She doesn't intend to draw any more income from her private pension this tax yer. How much may she earn in interest before having to pay income tax, please? (I find the £5,000.00 'starting rate' and the extra £1,000.00 scenarios confusing. I am just looking for as straight an answer as possible, please.)

Hi, Your wife's tax-free lump sum of £2,750 would not be included in the calculation for her overall income for the year, so she would have £1,820 of Personal Allowance remaining to add to the Personal Savings Allowance of £1000 and Starting Rate for Savings of £5000 available to her. As such, she can £7,820 in interest, tax free.
Thank you.