Some savings rates are edging up from their historically low levels.
Virgin Money has raised the rate on its Defined Access Isa to a tax-free 1.01% for new savers. It is available online, through its branches and by post and accepts transfers from other providers. You are limited to making three withdrawals a year. If you make any more your rate falls to 0.5%.
National Savings & Investments Direct Isa pays 1% with no withdrawal restrictions, but you cannot transfer your existing cash Isas to this account. The top deal with no withdrawal restrictions which accepts transfers comes from Sainsbury's Bank at 0.85%.
On easy-access taxable accounts French-owned RCI Bank has raised its rate to 1.1% before tax for both new and existing savers.
On fixed-rate taxable deals Atom Bank and Ikano Bank pay 1.4% for one year. At Charter Savings Bank the rate is 1.38% while Leeds Building Society pays 1.2% fixed until 2 April next year and gives you access to half your money during the term without paying a penalty.
You can also earn 1.4% with Charter Savings Bank's 18-month bond while the top rates for two years include 1.6% from Atom Bank, 1.56% at OakNorth Bank or 1.55% from both Ikano and RCI banks. With Atom Bank, you have to open your account via an app on your mobile or tablet.
From this week, the compensation level under the Financial Services Compensation Scheme rises to £85,000 per person per licensed institution - or £170,000 on joint accounts.
With French-owned RCI Bank you have €100,000 (around £85,000) per person under the European scheme. Swedish Ikano Bank matches the UK scheme at £85,000.
This story was originally written for our sister magazine, Money Observer.