Savings update: newcomer Atom Bank tops fixed-rate deals table

The top one-year rate is still 2% before tax (1.6% after) for one year or 2.2% (1.76%) for two years from newcomer Atom Bank. But you need an Apple iPhone or iPad and pre-register with the bank through its website to download the app to open an account.
For other savers the top deal for one year is now 1.75% (1.45%) from Swedish Bank Ikano or 1.71% (1.37%) from Charter Savings Bank. For two years both banks pay 2% (1.6%).
The top easy-access deal is 1.45% (1.16%) from French-owned online bank RCI followed by Coventry Building Society at 1.3% (1.04%). The Coventry deal is on offer online, in its branches and through the post.
See our top savings and top cash Isas articles for the latest best buys.  

Cash Isa deals

On cash Isas M&S Bank pays a top 1.4% tax-free fixed for one year. Both M&S and Coventry offer a slightly higher 1.5% if you are prepared to tie your money up for two years.
The top easy-access cash Isa deal is 1.4% with the Coventry but you can't transfer your existing cash Isas into this account.
Yorkshire Building Society at 1.35% and Virgin Money at 1.31% both accept transfers but they limit the number of withdrawals you can make from your account each year.
Sainsbury's Bank and M&S Bank both pay 1.3% and accept transfers.

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