A reader from London wants to know if she can qualify for an ISA as she is Polish.
Andy McKechnie, head of sales and marketing for savings at Halifax, tackles the problem.
Agnieszka from London asks:
I am Polish, and live and work in UK.
Can I get an ISA?
You can only subscribe to an ISA if you are resident and ordinarily resident in the UK for tax purposes. Overseas residents are not eligible to apply for an ISA.
The definition of resident and ordinarily resident in the UK for tax purposes is:
– has always lived in the UK, or
– normally lives abroad but regularly spends at least a quarter of his time here (91 days or more a tax year on average), or
– normally lives abroad but has come to the UK for at least 3 years, or
– normally lives abroad but has come to the UK for an indefinite period and owns accommodation in the UK or rents UK accommodation on a lease of 3 years or more.
I would recommend contacting HMRC on 0845 070 0040 (UK) or +44 151 210 2222 (from abroad) for further information.
If you have a question for Andy, go to the myfinances.co.uk Ask the Savings Expert section.
Or for more information on your savings options go to savings at Halifax
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