Why have I been 封鎖するd from putting money in my Isa? I live abroad but still 支払う／賃金 UK 税金

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I am a pensioner from the UK, but living in Cyprus.?

Living expenses here are lower, so I am able to save a small 量 of what I receive each month from the 明言する／公表する 年金 and my small 私的な 年金.?

I have recently started 支払う／賃金ing UK 税金, as the 最新の 明言する／公表する 年金 増加する 押し進めるd me over the threshold.?

Therefore, I would like to 移転 some of my 貯金 from my 経常収支 to my Isa to 相殺する that. Both are UK accounts held with 全国的な, so the money is not leaving the UK.?

The good life: Our reader lives in picturesque Cyprus - but is finding that has 関わりあい／含蓄s for her 貯金 支援する in the UK?

I have not put any money in the Isa for the past few years.?As my income was not 存在 税金d, I felt I should not （人命などを）奪う，主張する 税金 fre e 利益／興味 as I don't live in the UK.

When I recently tried to move some money from my 経常収支 to my Isa, 全国的な 封鎖するd the 処理／取引 as I do not have an 演説（する）／住所 in the UK.?

I feel this is most 不公平な now that HMRC is 税金ing part of my income. Why am I not able to move this money, which has not left the UK, into my Isa??

Helen Kirrane of This is Money replies:?When it comes to 税金, UK expats 支払う／賃金 a high price for the 利益 of a lower cost of living outside the UK.

Isas were introduced in April 1999 as a 税金 wrapper, designed for UK 居住（者）s to 保護する them from UK 税金.?

The 推論する／理由 you have 設立する that you are unable to 移転 基金s into your Isa is because you can only open or 支払う／賃金 into an Isa if you are living in the UK.

Because you opened your Isa before you moved abroad, the good news is that you can still keep it open and use the 基金s for a 雨の day if you wish.?However, you won't be able to 移転 any new money into it.?

I asked 全国的な and HMRC to explain your 状況／情勢 その上の.??

否定するd: 全国的な put a 封鎖する on transferring 基金s from a 顧客's 経常収支 to Isa as she moved to Cyprus

Richard Stocker, 全国的な's 長，率いる of 貯金, replies: If you have open ed an Isa in the UK and moved overseas, you must tell your Isa provider as soon as you stop 存在 a 居住（者）.?

The 政府 website can help you work out your 現在の residency status.

You will not be able to put money into that account after the 税金 year that you move. So, for example, if you moved abroad this month, you wouldn't be able 追加する money to your Isa from the moment the new 税金 year begins on 6 April.

支配する to any 制限s that might 適用する in the new country of 住居, you're 普通は able to keep your 存在するing Isa open.

You can 移転 the Isa to another provider even if you are no longer 居住（者） in the UK ? you just won't be able to put any new money into it.

A 広報担当者 from HMRC replies: If you open an Isa in the UK then move abroad, you cannot put money into it after the 税金 year that you move - unless you are a 栄冠を与える 従業員 working overseas, or their spouse or civil partner.

You must tell your Isa provider as soon as you stop 存在 a UK 居住（者）. However, you can keep your Isa open and you'll still get UK 税金 救済 on money and 投資s held in it.

You can 移転 an Isa to another provider even if you are not 居住（者） in the UK. You can 支払う／賃金 into your Isa again if you return and become a UK 居住（者）.

Helen Kirrane of This is Money replies: As you are living in Cyprus now, you won't be able to 支払う／賃金 in any new subscriptions, but you will be able to 身を引く money, or 移転 money from one Isa to another, the same as you would be する権利を与えるd to in the UK.

In your 状況／情勢, transferring 基金s from the 経常収支 to the Isa would be classed as 支払う／賃金ing in new subscriptions. This has been flagged and stopped by 全国的な to 妨げる you 違反ing the Isa 規則s.

The 封鎖する will not 適用する to you 身を引くing your money, or transferring the 存在するing cash to another Isa provider.

If you do 身を引く any money from the Isa, it will be 避難所d from any 伸び（る）s it made while in the Isa, but will 背負い込む 税金 on any その後の 伸び（る）s made.?