Savings rates continue to fall, with AA Savings cutting the rate for new savers on its Internet Extra easy-access account. It now pays 1.25% before tax (1% after tax) for new savers. Previously it paid a top 1.4% (1.12%).
The new deal includes a bonus for the first 12 months, after which the rate drops to 0.5% (0.4%).
For new savers the best easy-access accounts come from ICICI Bank Super Savings and Post Office Online Saver issue 13, both at 1.4% (1.12%). The Post Office account includes a bonus for the first year.
On fixed-rate bonds the best one-year deal comes from State Bank of India at 1.8% (1.44%), while Paragon, Kent Reliance, Aldermore Bank and Harrods Bank all pay 1.75% (1.4%). Harrods Bank pays 1.95% (1.56%) on its 18-month fixed rate deposit account.
The best two-year deal is 2.33% (1.86%) from Secure Trust Bank, while State Bank of India pays 2.25% (1.8%).
On tax-free fixed-rate cash Isas, the best one-year deal is 1.65% from both Tesco Bank and Virgin Money. For two years Post Office pays 1.95%, while both Kent Reliance and Aldermore Bank pay 1.85%.
On easy-access cash Isas you can earn a tax free 1.5% on Post Office Premier Cash Isa. The rate includes a 0.85 percentage point bonus for the first 18 months you are in the account.
Top deals with no bonus include Barclays Bank Instant Cash Isa issue 1 at 1.49% on a minimum £30,000, or Sainsbury's Bank at 1.45%. All three accept transfers from other providers.
National Savings & Investments pays 1.5% on its Direct Isa but you cannot move the cash Isas you hold with other providers into this account.
This article was written for our sister website Money Observer