About the eligibility criteria for claiming Marriage Allowance

The guidance states: "If your income for the tax year 6 April 2023 to 5 April 2024 was less than £12,570, excluding up to £6,000 in tax-free savings interest..." I’m unsure if this means: Total income exceeding £12,570 disqualifies me from claiming Marriage Allowance, regardless of savings interest? OR if my total income, after deducting up to £6,000 in tax-free savings interest, is still below £12,570, I may still be eligible. Additionally, if I select "Yes" to claim Marriage Allowance, the next question asks: "Was your total income less than £12,570 (plus up to £6,000 tax-free savings interest) and your spouse/civil partner's income below the higher rate (£50,270, or £43,662 if they pay Scottish Income Tax)?" If my total income is £14,000, including £10,000 of savings interest, and my spouse’s income is below the higher rate threshold, would I still answer "Yes" because my taxable income is below £12,570 after deducting the £6,000 interest? Finally, I’d like to clarify if “tax-free interest” exclusively refers to interest earned in ISAs or similar accounts. If the £10,000 interest comes from a regular retail bank savings account, would it still be considered tax-free for the purposes of this calculation? I want to ensure I correctly understand the criteria and how to respond.

Hi,
Interest income from ISA's shoud not included in the income figure you have stated as that is non taxable(Individual Savings Accounts (ISAs)), so you would not include this in any calculations when working out if you can transfer any personal allowance .
Interest from bank & building society accounts is taxable income and this is where we have mentioned the up to 6000 in tax free savings interest please see - Tax on savings interest
As although bank interest is taxabe income depening on your level of income it may be below the level ifor tax to be due.
Thank you.