Banks and building societies continue to chop and change rates for savers.
The top easy-access cash Isa deal is 1.55% tax-free from BM Savings and Post Office. But both include a bonus for new savers, so you need to move your money when these run out.
The BM Savings rate tumbles to 0.5% after a year. The Post Office bonus lasts for 18 months before dropping to 0.75%. But there are withdrawals restrictions on this account - you can only make two withdrawals a year.
The top easy-access deal where the rate is not boosted by a bonus is 1.5% from National Savings & Investments. But you cannot transfer your existing cash Isas into this account.
Best deals for transfers with no bonus include Barclays Instant Isa at 1.49% on a minimum £30,000, and Sainsbury's Bank and Teachers Building Society, both paying 1.45%. If you are prepared to tie your money up for a year, Post Office pays 1.7% and Tesco Bank 1.65%.
For two years Virgin Money pays 2.1% fixed until November 15 2016.
On taxable accounts the top rate on easy access accounts is 1.4% (1.12% after tax) from AA Savings, Post Office and Tesco Bank. All three come with a bonus which lasts for a year before the rate drops.
The best deal with no bonus is 1.3% (1.04%) from Virgin Money. Kent Reliance pays a higher 1.5% (1.2%), but it is only available through its limited branch network.
On fixed rate deals you can earn a top 1.85% (1.48%) with BM Savings for one year, or 2.36% (1.89%) from Secure Trust for two years.
This article was written for our sister website Money Observer