Got more than £20,000 saved up? Here are the 最高の，を越す accounts to open 権利 now

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Good news for those who long to use cash Isas for a nest egg ― 率s are finally rising and the gap between ordinary accounts and cash Isas has 狭くするd so much there is not much between them.

This makes cash Isas a must for every saver as you can 保護する your 利益／興味 from the taxman.

Last week 競争 heated up with Aldermore bank 明かすing a one-year 直す／買収する，八百長をするd-率 cash Isa at 5 per cent. And Shawbrook raised its 率 to 5.01 per cent yesterday, quickly followed by OakNorth at 5.02 per cent.

平易な-接近 率s also look brighter with new providers coming in 申し込む／申し出ing 率s above 5 per cent.

税金 避難所: Cash Isa 率s are finally rising and the gap between them and ordinary accounts has 狭くするd so much that there is hardly a whisker between them

The 率s paid on these accounts no longer lag so far behind taxable accounts that they are not 価値（がある） bothering with.?

Now, there are more than four million accounts where savers are at 危険 of 支払う／賃金ing 税金 on 利益／興味, up by nearly a million over six months 予定 to higher 利益／興味 率s.

Now, basic-率 taxpayers are 破産した／（警察が）手入れするing the personal 貯金 allowance of £1,000 in 利益／興味 on ordinary accounts without 支払う／賃金ing 税金. For higher-率 payers, it's £500.

With 率s at 5 per cent, you'll 支払う／賃金 税金 if you have over £20,000 in ordinary accounts as a basic-率 taxpayer, or £10,000 for higher-率 payers. Your 5 per cent is only 価値（がある） 4 per cent if one of the first, 3 per cent if one of the latter.

The message is （疑いを）晴らす ― use your £20,000 Isa allowance before April 5 so that your 利益／興味 is 税金 解放する／自由な.

So where to start? First, don't go to your 現在の-account provider ― its 率s will be lousy.

Just look at them: Barclays 1.66 per cent, NatWest 1.75 per cent, Halifax 1.45 per cent, Santander 1.7 per cent, Lloyds 1.4 per cent on its 平易な-接近 cash Isas. HSBC 支払う／賃金s 3.2 per cent but only with the 権利 経常収支 and if you 追加する to your Isa each year.

The only exception is Virgin Money which 支払う／賃金s 4.76 per cent and an unbeatable 5.25 per cent 直す／買収する，八百長をするd 率 if you tie your money up for a year.

The big banks do higher 率s, but you'll have to move your cash in a year.

Halifax 支払う／賃金s 4.1 per cent on its Isa 特別手当 Saver if you make under four 撤退s. But after a year your money is moved into its Instant Isa Saver, 支払う／賃金ing 1.45 per cent.

Other banks and building societies 支払う／賃金 far more. の中で the best are Zopa (5.08 per cent), Marsden Building Society (5.05 per cent) and 借り切る／憲章 貯金 Bank (5.03 per cent).

On one-year 直す／買収する，八百長をするd-率 accounts OakNorth's 5.02 per cent is 最高の，を越す with a 最小限 £1 ― or you can take 利益／興味 月毎の at 4.91 per cent.

率s on two-year 直す／買収する，八百長をするd 率s are lower as the general level of 利益／興味 率s is 始める，決める to 落ちる. If 率s do 落ちる, you may 勝利，勝つ out by 選ぶing a longer-称する，呼ぶ／期間／用語 製品, such as at Zopa (4.67 per cent), Hodge Bank (4.62 per cent) and Furness BS (4.6 per cent).

Hot account is 開始する，打ち上げるd by Paragon Bank

Paragon Bank has 開始する，打ち上げるd a hot new 見解／翻訳／版 of its 二塁打 接近 Account. It 申し込む／申し出s 5.16 per cent, making it the best payer for 平易な-接近 accounts that 限界 年次の 撤退s.

It just pips Coventry BS ３倍になる 接近 Saver (Online) 問題／発行する 3 at 5.08 per cent. 利益／興味 is variable and taxable.

I don't 含む accounts which 限界 the number of times you take your money out in my 平易な-接近 best-buy （米）棚上げする／（英）提議するs. But I do keep you 知らせるd.

The Paragon 二塁打 接近 許すs two 撤退s a year. If you make more, the 率 急落するs to 1.5 per cent . And you need to keep £1,000 in there.

Older 見解／翻訳／版s of the Paragon account, の近くにd to new savers, 支払う／賃金 different 率s so switch to the new one if you are 収入 a lower 率. 問題／発行する 1 支払う／賃金s 4.75 per cent and 問題／発行する 3, 5.25 per cent.

If you have Coventry's first or second 問題／発行する stick with them for their 5.20 per cent and 5.15 per cent 率, それぞれ.

Sy.morris@dailymail.co.uk

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