Hi Ray HMRC states that "If your other income is £17,570 or more You’re not eligible for the starting rate for savings if your other income is £17,570 or more." but didnt mentioned that over £17,570 is not eligible for using personal allowance to set off interest earned. Any idea ? www.gov.uk/apply-tax-free-interest-on-savings?_ga=2.158595134.567107011.1685722266-143500146.1685518224