AndyPG

Well put Mark. I was the OP. Definitely an issue here. The system robs Peter to pay Paul. Andy.

Hi Whirlygig, I've asked the same question in several different ways on the forum and have never managed to get a straight answer. Always a vague answer then a referral to the written guidance which doesn't cover it. Frustrating! You definitely won't get the "+£1000" in addition to the £5000. The interesting bit is how the marriage allowance affects things. Good luck and well put. Andy.

Thanks but I'm still unclear on my exact question. To put things another way, If my personal allowance is £12570 and I also have £1000 of marriage allowance, will the first £18570 of savings interest be tax free if I have no other income?

Hi, Does marriage allowance impact savings starting rate. ie; (My personal allowance is £12570) If I earn £13570 pa and I receive £5000 of savings interest pa, I only get tax relief on £4000 of my savings interest. If I use marriage allowance to gain tax relief on the £1000 of income I earn above my personal allowance, will I then get the full £5000 savings starting rate relief on the savings?

Any chance of some clarification please HMRC?

Hi, Hypothetically, if my income is exactly £12570, I won't pay income tax on this amount as my personal allowance is £12570. In addition, I can earn up to £5000 interest on my savings and still remain free of any tax due to the savings starter rate. So, if I use the marriage allowance scheme to increase my personal allowance by £1260 to £13830, do I still get £5000 on savings interest tax relief on top of the new personal allowance figure,
ie; £13830 + £5000 = £18830 total? Regards, .

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