Average cash Isa rates have fallen below 1% for the first time, according to new research from data analysts Moneyfacts.
Easy-access deals are now at an average 0.73%, down from 1.09% this time last year. On longer-term fixed-rate deals the rate is now just 0.98%, down from 1.98% 12 months ago.
The top deal on tax-free easy-access cash Isas is 1.1% from Coventry Building Society, followed by 1% from National Savings & Investments Direct Isa. But you can't transfer your existing cash Isas into these accounts. The top deal which accepts transfers is 0.95% cent from Sainsbury's Bank.
On fixed-rate cash Isas, the top one-year rate comes from the new Virgin Money deal at 1 per cent, while both Aldermore Bank and Leeds Building Society pay a top 1.15% for two years.
On easy-access savings accounts, 1% is the top online rate on offer from RCI Bank, with your money covered by the European compensation scheme, rather than our home-grown Financial Services Compensation Scheme.
National Savings & Investments Income Bonds pay 1%, but you have to take the interest each month - it can't be added to your account.
With Atom you have to run your account on your phone through its app, while with Ikano your money is covered by the Swedish compensation scheme, which covers UK depositors up to £75,000 per person.