Alan McRobb

Only my partner works. I have had zero income except a trickle of savings interest up until 23/24 when the proceeds of my main residence sale were in NS&I awaiting the purchase of a new main residence. As a result I have interest of £17,345. I think I have personal allowance of £12,570 plus savings allowance of £5,000 meaning I am just below the threshold for any tax? However, reading this forum and elsewhere there seems varying advice whether to proactively notify HMRC because the interest is above £10k or just wait for HMRC to notify me after the banks submit to HMRC - which is it?