Rates on easy-access accounts continue to fall, as both Virgin and Skipton cut the rates they offer new savers last week.
The top rate on easy-access accounts comes from Saga at 1.55% after tax (1.24% before), but this is only available to those aged 50 and over and willing to use the internet.
The best deal open to all is 1.4% (1.12%) from AA Savings and Post Office.
On cash Isas you can earn 1.55% tax-free with BM Savings including a bonus for the first year, and you can transfer your existing cash Isas into the account. Be prepared to move again in 12 months' time when the rate drops to 0.5%.
Long-term fixed rates
If you are willing to tie your money up for a year or more, Kent Reliance pays a top 1.9% (1.52%) for a year, while State Bank of India and Shawbrook Bank both pay 2.25% (1.8%) for two years.
On tax-free cash Isas the top one-year rate is 1.7% from the Post Office, while AA Savings and Barclays pay 2% for two years.
With the Barclays account you can make three withdrawals during the term, taking out up to 10% of your money each time without charge.
This article was written for our sister website Money Observer