Don't 精査する through 530 cash Isas to （警官の）巡回区域，受持ち区域 next week's 最終期限... 選ぶ one of these, says SYLVIA MORRIS

By Sylvia Morris

Updated:

精査するing through the 530-加える cash Isa accounts 現在／一般に on sale is no 平易な 仕事.

But you have only a few days left to do so if you want to find the best place for your Isa allowance of up to £20,000 for this 税金 year, before it disappears on April 5.

It’s 平易な to put the 職業 off, so I have come up with a guide to the best 取引，協定s depending on how you want to manage your account.

The good news is that cash Isas are 支払う／賃金ing around the same 率 as ordinary accounts, so they should be your first port of call.

And the fact that インフレーション has dropped from 4 per cent to 3.4 per cent, while the Bank of England base 率 stayed at 5.25?per cent last week, should bring a smile to your 直面する.?

Deadline: You only have a few days left if you want to find the best place for your Isa allowance of up to £20,000 for this tax year before it disappears on April 5

最終期限: You only have a few days left if you want to find the best place for your Isa allowance of up to £20,000 for this 税金 year before it disappears on April 5

It means we can earn a better return on our money in real 条件. But ーするために （警官の）巡回区域，受持ち区域 インフレーション you need to earn more than the 普通の／平均（する） 平易な-接近 Isa 率, which is 3.32 per cent によれば data scrutineers Moneyfacts. And here’s how you do it.

If you are happy to open an 平易な-接近 cash Isa through an app, 半導体素子 支払う／賃金s 5.1 per cent on £1 or more.

Its 控訴，上告 is a good 率 that is linked to the Bank of England base 率. Yes, that is 推定する／予想するd to go 負かす／撃墜する later this year, and so would your 率, but at least you know that it won’t be 不公平に 削除するd by more than the base 率, as is often the 事例／患者 with other 平易な-接近 accounts.

The 率 is below the 5.17 per cent 開始する，打ち上げるd by Plum yesterday, but here you are 限られた／立憲的な to making three 撤退s a year.

Plum’s 率 also 含むs a 0.88 百分率 point 特別手当, which lasts only for a year so you will have to look to move your money then.

If you would prefer an online account, then go for 借り切る／憲章 貯金 Bank (5.03 per cent on a 最小限 £5,000), Kent 依存 (5.1 per cent on £1,000 加える) and Cynergy Bank (5 per cent on £1 加える).?

Kent 依存 申し込む／申し出s 5.1 per cent through its 支店s too. Next best on the High Street is the Epsom-based Family BS Market Tracker Isa at 4.86 per cent on £500 or more, followed by Swansea BS, which 支払う／賃金s 4.25 per cent on £1 or more.

If you are 罰金 with not making many 撤退s from your account, then Yorkshire BS 二塁打 接近 Isa and Coventry BS Four 接近 Isa ― both at 4.55 per cent on £1 加える ― are possible 競争相手s.

Keen to tie your money up for a year? You’ll get around the same 率 as with 平易な-接近 accounts, but with 率s 推定する／予想するd to 長，率いる south during the second half of this year you could be better off in the long run than sticking to an 平易な-接近 account.

最高の，を越す 率s 含む OakNorth (online) and Kent 依存 (online and through its 支店s) at 5.07 per cent.?

They are closely followed by online banks Aldermore, 借り切る／憲章 貯金 Bank and Paragon, all at 5.05 per cent.

On the High Street, 物陰／風下d BS 支払う／賃金s 4.8 per cent and West Bromwich BS 4.7 per cent. Skipton BS 支払う／賃金s 4.75 per cent for 18 months.

Virgin Money 削除するs 貯金 率s??

Hot on the heels of Santander cutting savers’ 率s last week comes Virgin Money.?

It has 削除するd the 率 in its M 加える Saver account by nearly one third.

The account is open to those who have the M 加える 経常収支, but now 支払う／賃金s only 2.5 per cent, 負かす／撃墜する from 3.55 per cent last week.?

The lower 率 適用するs to 存在するing and new savers.

Last week Santander 発表するd a 抱擁する 削減（する） of nearly 20 per cent to its popular 平易な 接近 限られた／立憲的な 版 3 account ― which is の近くにd to new savers ― with the 率 始める，決める to 宙返り／暴落する to 4.2 per cent from 5.2 per cent from May 20.

Check the best cash Isa 率s in our 貯金 （米）棚上げする／（英）提議するs?

How to find the best 貯金 率s

貯金 率s are on the rise after many years in the doldrums, with savers now able to 捕らえる、獲得する 取引，協定s 支払う／賃金ing more than 5 per cent.

But many people still have money languishing in old sub-1 per cent 支払う／賃金ing 貯金 accounts.

Checking 最高の，を越す 率s is 必須の, but can also possible to make life easier to manage your 貯金 マリファナs in one place.??

Over the past few years a number of?貯金 壇・綱領・公約s have 開始する，打ち上げるd, 申し込む／申し出ing savers the 選択 to switch as and when better 取引，協定s become 利用できる and manage accounts from different banks and building societies.

They each work わずかに 異なって and 含む their own 排除的s. To find out more and check out what's on 申し込む／申し出 visit our special?貯金 壇・綱領・公約 最高の，を越す 率s （米）棚上げする／（英）提議するs.

You can also 見解（をとる） our 包括的な best buy 貯金 （米）棚上げする／（英）提議するs, 独立して curated by 貯金 guru Sylvia Morris and the This is Money team.

貯金 必須のs:

> Compare best 貯金 率s in our （米）棚上げする／（英）提議するs?

> Check the best 率s from 貯金 壇・綱領・公約s?

> 調印する up to 貯金 警報s to get 最高の，を越す 取引，協定s sent to you

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