saving interest tax 2023-2024

According to HMRC website https://www.gov.uk/apply-tax-free-interest-on-savings about saving interest tax, the following allowances are granted per tax year. The personal allowance : £12570 Starting rate for savings : £5000 Personal saving allowance : £1000 (basic rate) Please reply below questions Q1. Does it mean that the maximum allowances for a person is £17570? Q2. Mr. A is retired and does not have any other income in the UK. He only receives saving interest which is not exceed £17570. Please advise if he needs to pay saving interest tax? Q3. Mr. B is same as Mr. A who also has no income in the UK. He will receive saving interest £13570 only. Would Mr. B has saving interest tax allowance £13570 = £12570 +£1000? ( personal allowance + personal saving allowance) Does he has to pay saving interest tax? regards, abc123

Hi abc123,
You are correct that the Personal Allowance is used first, then the starting rate if eligible and then the personal savings allowance.
If all the income falls within this there will be no tax due.
Thank you. 

So the maximum of saving interest allowances for the tax year 2023-24 is £18570 if a person does not have any other income except saving interest. Am I correct?

Hi abc123c,

No it is £17570 as the £1000 personal savings allowance is included within the £5000 starter rate.

Thank you.