In this video I break down the government's new Cash ISA rules coming in April 2027 — including the 22% tax on cash held inside a Stocks & Shares ISA, the £12,000 cash allowance cut for under-65s, and the one-way transfer trap most coverage has missed. I also show you the legal way around it, straight from the government's own factsheet, plus what's happening to the Lifetime ISA and the new First-Time Buyer ISA replacing it.