‘Hey ChatGPT, how should I invest my £25k annual Isa allowance?’, we ask one of the world’s most advanced AI search tools. ChatGPT answers confidently, but fails to spot that the Isa allowance is actually £20k, instead giving advice that was potentially in breach of HMRC rules. More than half of us now use AI to search the web for information, according to a Which? survey of 4,189 UK adults conducted in September 2025.