Any time that works for you! Ideally make sure you have maxed out your ISA savings as much as you can before the end of the tax year (5 April) as any unused allowance can’t be carried over to the next tax year. Cash ISAs are typically for those who may need access to savings within the next few years and who don’t want to risk stock market uncertainty. If you’re saving for the long-term – five years plus – a stocks and shares ISA may be more suitable as there is typically a better chance of growth outpacing inflation.