With less than five weeks to go before the end of the tax year, new cash Isa deals are still very thin on the ground. Best deals include the new two-year fixed-rate deal from both Yorkshire Bank and Clydesdale Bank at a tax-free 2.1%. For one year the top deal is 1.6% from Virgin Money.
On easy-access cash Isas, Post Office Premier Isa pays 1.5% - but you are limited to two withdrawals a year. And the rate includes a bonus for the first 18 months you are in the account, after which the rate drops to 0.65%.
National Savings & Investments Direct Isa also pays 1.5% with no bonus - but you cannot transfer your existing cash Isas into this account.
The best deal for transfers with no bonus is Barclays Bank Instant Cash Isa 1 at 1.49% on £30,000 or more, while GE Capital Direct pays 1.4% on its Cash Isa Issue 4 on £500 or more.
On taxable easy-access accounts, Skipton Building Society Limited Edition e-Saver, State Bank of India Online Instant Access and Kent Reliance Easy Access Issue 8 all pay 1.25% before tax (1% after) with no bonus.
AA Savings, where the deposit taker is Halifax, also pays 1.25% (1%), but this includes a bonus for the first 12 months, after which the rate drops to 0.5% (0.4%).
On fixed-rate bonds the top one-year rate comes from National Savings and Investments at 2.8% (2.24%), but this deal is only open to those age 65 or over and the maximum investment is £10,000. The next best rate comes from Harrods Bank at 1.75% (1.4%), followed by Post Office at 1.7% (1.36%).
You can tie your money up for 18 months with Harrods Bank at 1.95% (1.56%), and Harrods Bank also pays the top rate for two years at 2.25% (1.8%), followed by Shawbrook Bank at 2% (1.6%).
For three years National Savings leads the field with 4% (3.2%) for those aged 65 or over. The next best deals, open to all, come from Harrods Bank and Close Brothers, both at 2.5% (2%).
This article was written for our sister website Money Observer