Where to find a market-beating cash Isa

Pound coins

Just in time for the end of the tax year, Skipton Building Society has made its top-paying easy-access cash Isa available online. It pays 1.5% including a 0.5 percentage point bonus for a year.

Post Office Premier Isa also pays 1.5% with a 0.85 point bonus for the first 18 months you are in the account. NS&I at 1.5% also offers a top rate for this year's cash Isa allowance of up to £15,000.

On fixed-rate cash Isas a new deal from Halifax pays 1.6% fixed for 18 months. The top one-year fixed rate comes from Shawbrook Bank at 1.65% followed by Virgin Money at 1.6%.

For two years Yorkshire and Clydesdale banks pay 2.1% but you must open an account in a branch. Post Office and Shawbrook Bank both pay 1.95%.

Find the best cash Isa or savings account for you


On taxable accounts Coventry Building Society's new Easy Access Saver pays 1.15% (0.92%) with no bonus or withdrawal restrictions available over the internet, the phone and through its branches.

The best internet-only deals include Skipton Limited Edition e-Saver, Charter Bank Easy Access Account, Kent Reliance Easy Access and State Bank of India Online Saver all at 1.25% (1%).

Virgin Money's Defined Access account pays a higher 1.35% (1.08%) but limits you to three withdrawals a year. You can earn a slightly better 1.4% (1.12%) with Coventry PostSave easy access if you are happy to run the account through the post and make no more than 12 withdrawals a year.

On fixed-rate deals Shawbrook Bank pays 1.85% (1.48%) for one year and 2.2% (1.76%) for two years.

Those aged 65 or more can do better with National Savings and Investments bonds that 2.8% (2.24%) for one year and a top 4% (3.2%) for three years. The maximum you can put into each bond is £10,000 and they are on sale until 15 May.

This article was written for our sister website Money Observer

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