Rates on easy-access cash Isas continue to fall. Santander has cut the rate on its Direct Isa Saver to 1% for new savers or 1.5% for those who run a 123 current account with the bank.
BM Savings, part of Halifax, has also cut its rate to new savers. It now pays 1.25% on balances up to £20,000 and 1.5% on larger balances. Even after the cut, the 1.5% makes it a leading rate for those looking to transfer their cash Isas.
NatWest also pays 1.5% on balances over £25,000 while Nationwide's Instant Isa Saver pays 1.5% for a minimum £1,000.
Top deals for this year cash Isa money come from Cheshire and Derbyshire building societies, both part of Nationwide, at 1.6%. National Savings & Investments and Nationwide pay 1.5%.
On fixed-rate deals you can earn a slightly higher 1.65% for a year with Tesco Bank and Kent Reliance, or 1.6% with Aldermore Bank. The top two- and three-year deals come from Nationwide at 2.05% and 2.25% respectively.
On taxable accounts, the best rate comes from Britannia, part of Co-op Bank on its new Select Saver issue 5 at 1.65% before tax (1.32% after tax). Newcastle and Kent Reliance both pay 1.25% (1%). Nationwide also pays 1.25% (1%) but limits you to five withdrawals a year.
On fixed rate deals Kent Reliance pays 1.9% (1.52%) for one year or 2.25% (1.8%) for two years. The next best two year deal comes from Shawbrook Bank at 2.05% (1.64%).
The new 18 month bond from Leeds Building Society pays 2% (1.6%) fixed until 31 January 2016.
This article was written for our sister website Money Observer