得る，とらえる a 最高の，を越す cash Isa while you still can

By Sylvia Morris for MailOnline
Updated: 12:02 BST, 10 March 2010

Savers are 存在 申し込む／申し出d new, 最高の，を越す-支払う／賃金ing cash isas as the end of the 税金 year on April 5 approaches.

The best Isas are 支払う／賃金ing at least 3 pc on new money put into 平易な 接近 見解／翻訳／版s of these 税金-解放する／自由な accounts, which are on sale from banks and building societies.

This week sees the 開始する，打ち上げる of Barclays G olden isa 問題／発行する 2, which is 支払う／賃金ing 3.1 pc, 含むing a 1 百分率 point 特別手当 payable for the first 12 months.

It also gives you 平易な 接近 to your money. a 取引，協定 from Santander 申し込む／申し出s a better 率 on this year's isa allowance.

The best Isas are 支払う／賃金ing at least 3 pc on new money put into 平易な 接近 見解／翻訳／版s

It 支払う／賃金s 3.5 pc and 保証（人）s to 支払う／賃金 3 百分率 points over base 率 for a year. Neither account 許すs 移転s of 存在するing cash isa money.

Barclays has の近くにd its Golden isa 問題／発行する 1 to new savers. This 支払う／賃金s a lower 2.55 pc, though those who took it out between March 9 and May 31 last year earn a 1 百分率 point 特別手当 for 12 months.

But savers tempted by their best 取引，協定s two and three years ago - 税金 港／避難所 Isa (on sale from March 2008) and 税金 Beater isa (from March 2007) - earn much いっそう少なく. The 率 on the 税金 港／避難所 Isa is 0.83 pc, while 税金 Beater savers earn 0.56 pc. Both are の近くにd to new savers. those stuck in older Santander accounts which are の近くにd to new savers are also 収入 poor 率s.

You can recei ve as little as 0.1 pc in its instant 接近 Isa and Isa Saver (the old Bradford & Bingley account) and 0.15 pc in Direct Isa.

For those looking to switch from a 貧しく 支払う／賃金ing account, 示すs & Spencer's new Flexi Cash isa at 2.65 pc is a good 取引，協定. The 率 含むs a 特別手当 of 1.35 百分率 points, payable for 18 months, rather than the more usual one year.

But savers already in its Tracker Isa and Advantage Isa, both の近くにd to new savers, can't switch into this new account. The advantage isa 支払う／賃金s a decent 2.5 pc, 含むing a 1 百分率 point 特別手当 until July 21.

But Tracker Cash Isa savers - who earn 0.5 pc - should look for a better 取引，協定 (see the Best Buys （米）棚上げする／（英）提議する above). If you are willing to tie up your money, then you can earn 4.4 pc with 全国的な's three-year 直す／買収する，八百長をするd 取引，協定, 4.3 pc for montly income 探検者s.