Amy King

Property income - 12,200 GBP - covered by personal allowance of £12,570 no tax owing Banks Savings (interests) - 1,300 GBP - covered by starting rate for savings tax as your total taxable income is below £17,570. The first £5,000 of bank interest is taxed at 0% The tax office website is never written simply! If you put your figures into your tax return and look at the calculation before submitting, there shouldn't be any tax owing.

The interest would actually come under the starting rate for savings, as your other income is below £17570. Therefore you can earn up to £5,000 in savings interest before tax would become due. https://www.gov.uk/apply-tax-free-interest-on-savings Based on your figures above, no tax would be owing.