Best cash Isas you can STILL open before the end of the 税金 year

  • Savers have until tomorrow to use their £20,000 限界 for this 税金 year
  • Some Isa providers will stop 受託するing 使用／適用s from 4pm today?
  • The best cash Isas are still 申し込む／申し出ing 上向きs of 5%

By Helen Kirrane

Updated:

製品s featured in this article are 独立して selected by This is Money's specialist 新聞記者／雑誌記者s. If you open an account using links which have an asterisk, This is Money will earn an (v)提携させる(n)支部，加入者 （売買）手数料，委託（する）／委員会／権限. We do not 許す this to 影響する／感情 our 編集（者）の independence.?

With just a day to go before the end of the 税金 year, some savers will 必然的に be 緊急発進するing to 完全にする last minute Isa admin.?

Whether that is 開始 a new Isa account or transferring an 存在するing Isa, some providers 申し込む／申し出ing the 最高の，を越す Isa accounts will stop 受託するing new 使用／適用s or 移転s at 4pm today.?

耐える in mind that you would be wise to make 支払い（額）s as soon as possible, to 確実にする they are 過程d in time and not leave it until the last minute. The closer to the 最終期限, the more 危険 that the 支払い（額） won't go through.

We 一連の会議、交渉／完成する up 20 of the best Isas across 平易な-接近 and 直す／買収する，八百長をするd-条件.?

Mad dash: The end of the tax year is looming and some providers will be shutting their doors to new Isa applications from 4pm today

Mad dash: The end of the 税金 year is ぼんやり現れるing and some providers will be shutting their doors to new Isa 使用／適用s from 4pm today

平易な-接近??

Plum* - 5.17% [十分な 詳細（に述べる）s]

- Facts: £100 to open

- 移転s in: Yes

- 柔軟な:?No

- 最終期限:?3pm on 5 April

- This is Money says: This account can only be opened through Plum's app. Any cash deposited is fully FSCS 保護するd, as are all of the accounts in this 名簿（に載せる）／表（にあげる）.

This account is the best 全体にわたる 率 for an 平易な-接近 cash Isa, but it 含むs a 特別手当 率 of 0.88 per cent for the first 12 months.?After 12 months, the 率 減少（する）s to 4.29 per cent.

Plum's Isa 許すs 移転s in, but if you 移転 in 基金s from another Isa the 率 you'll get will be 4.29 per cent. This will be a big catch for some savers. It is not a 柔軟な Isa.

If your balance 下落するs below £100, or if you make more than three 撤退s within a year, the 率 減少（する）s to 3 per cent.?

Spread your Isa across banks ahead of new 支配するs at Active 貯金?

Savers will now be able to 分裂（する） their Isa allowance between different types of cash Isa and different providers.?

From today, Hargreaves Lansdown's cash 壇・綱領・公約 Active 貯金 will 許す savers to spread their Isa allowance across 多重の banks, and 平易な-接近, 限られた／立憲的な 接近 and 直す／買収する，八百長をするd 率s.

> Read more:?Hargreaves Lansdown's 貯金 壇・綱領・公約's new Isa perk

Moneybox - 5.16% [十分な 詳細（に述べる）s]

- Facts: £500 to open

- 移転s in: Yes

- 柔軟な:?No

- 最終期限:?3pm on 5 April for 移転s in, 11am on 5 April for 開始 an Isa as a new 顧客s and 3pm on 5 April for 開始 an Isa as an 存在するing 顧客

- This is Money says:?This account can only be opened by downloading the Moneybox app. The 率 含むs a 特別手当 of 0.91 per cent for the first 12 months.

The Isa only 許すs three 撤退s within in each 12 month period from the date the account is opened.

If you make a fourth 撤退, or if the 量 in your account 下落するs below £500, you will get a 率 of just 0.75 per cent on your 貯金 for the 残り／休憩（する） of that 12 month period or until your balances rises to £500.

半導体素子* - 5.1% [十分な 詳細（に述べる）s]??

- Facts: £1 to open

- 移転s in:?No

- 柔軟な:?Yes

- 最終期限: Before midnight on 5 April

- This is Money says: Savers must download 半導体素子's app and deposit a 最小限 of £1 to get 半導体素子's Isa.??

The Isa is fully 柔軟な. This means that savers can 即時に deposit and 身を引く their money with no 制限s and without 影響する／感情ing their Isa allowance.

Savers can 取って代わる any money they 身を引く from their Isa without it counting に向かって their 年一回の Isa allowance, as long as they 取って代わる the money in the same 税金 year.

Crucially, this Isa does not 許す 移転s in at the moment, which will be a drawback for many savers. 顧客s can 調印する up to be 通知するd when 半導体素子 starts 許すing Isa 移転s.

Zopa Bank - 5.08% [十分な 詳細（に述べる）s]

- Facts: £1 to open?

- 移転s in: Yes

- 柔軟な: Yes?

- 最終期限: 適用する for an account or 始める a 移転 before midnight on 5 April?

- This is Money says: Savers must download Zopa Bank's app to open this Isa.

The 率 現在／一般に 含むs a 特別手当 率 of 0.5 per cent if you open a Zopa Isa until 6 April. This 特別手当 will run out on 6 April 2025 and the underlying 率 will 減少（する） to 4.58 per cent on that date.?

This Isa is fully 柔軟な which is a useful feature in keeping as much of your マリファナ as 税金-friendly as it can be.?

借り切る／憲章 貯金 Bank - 5.03% [十分な 詳細（に述べる）s]

- Facts: £5,000 to open

- 移転s in:?Yes

- 柔軟な: No

- 最終期限: 4pm on 4 April

- This is Money says:?This Isa 申し込む／申し出s the best 率 if you don't want to download an app to open and manage your Isa.?

The Isa can be opened online on 借り切る／憲章 貯金 Bank's website.?

One-year 直す／買収する，八百長をするd?

直す／買収する，八百長をするd 率 cash Isas 一般に 申し込む／申し出 higher 率s than their 平易な-acess 相当するものs in 交流 for parting with your cash for a year or more.

The best one-year 直す／買収する，八百長をするd-率 Isas now 支払う／賃金 上向きs of 5 per cent 利益／興味.

借り切る／憲章 貯金 Bank - 5.05% [十分な 詳細（に述べる） s]

- Facts: £5,000 to open

- 移転s in: Yes

- 柔軟な: No

- 最終期限: 4pm Thursday 4 April

- This is Money says:?借り切る／憲章 貯金 Bank 最高の，を越すs the 名簿（に載せる）／表（にあげる） of This is Money's best one-year Isas.?

You can only open and manage this Isa online through 借り切る／憲章 貯金 Bank's website. There is an 選択 to receive 利益／興味 月毎の or 毎年.?

Call your bank

If you're in a last minute fluster about where to park your Isa cash, don't be put off by your bank 明言する／公表するing on its website that the 最終期限 has passed or an 使用／適用 might not go through.

For example, one major bank advised that 使用／適用s should be in by 28 March.

However, a This is Money reader managed to call and 移転 into a 直す／買収する，八百長をするd-率 with the same bank yesterday (2 April) in a 事柄 of minutes.

If in 疑問, give them a call.?

部隊d 信用 Bank - 5.02% [十分な 詳細（に述べる）s]

- Facts: £5,000 to open

- 移転s in: Yes?

- 柔軟な: No

- 最終期限:?2pm on 5 April?

- This is Money says:?This account can be opened online and once it is open it can be managed online or through email, 地位，任命する or telephone.?

Zopa Bank - 5% [十分な 詳細（に述べる）s]

- Facts: £1 to open

- 移転s in: Yes?

- 柔軟な: Yes, with Zopa マリファナs?

- 最終期限:?適用する for an account or 始める a 移転 before midnight on 5 April

- This is Money says: This Isa can only be opened by downloading Zopa's app.?

Zopa 許すs savers to spread thei r Isa allowance across 平易な-接近 and 直す／買収する，八百長をするd 称する，呼ぶ／期間／用語 Isa マリファナs.?

?Paragon Bank - 4.9% [十分な 詳細（に述べる）s]

- Facts: £1,000 to open

- 移転s in: Yes

- 柔軟な: No

- 最終期限:?4pm on 5 April

- This is Money says: This account can be opened online, on Paragon Bank's website or by 地位，任命する.?

Two-year 直す／買収する，八百長をするd

Zopa Bank - 4.67% [十分な 詳細（に述べる）s]

- Facts: £1 to open

- 移転s in: Yes

- 柔軟な: Yes, with Zopa マリファナs

- 最終期限: 適用する for an account or 始める a 移転 before midnight on 5 April.??

- This is Money says:?This Isa can only be opened by downloading Zopa's app.

Zopa 許すs savers to spread their Isa allowance across 平易な-接近 and 直す／買収する，八百長をするd 称する，呼ぶ／期間／用語 Isa マリファナs.

部隊d 信用 Bank - 4.65% [十分な 詳細（に述べる）s]

- Facts: £5,000 to open

- 移転s in: Yes

- 柔軟な: No

- 最終期限:?2pm on 5 April

- This is Money says: This account can be opened online and once it is open it can be managed online or through email, 地位，任命する or telephone.

Furness Building Society - 4.6% [十分な 詳細（に述べる）s]

- Facts: £1,000 to open

- 移転s in: Yes

- 柔軟な: No

- 最終期限: 5pm on 5 April

- This is Money says: This account can be opened online, by 地位，任命する or in 支店.?

Paragon Bank - 4.59% [十分な 詳細（に述べる）s]

- Facts: £1,000 to open

- 移転s in: Yes

- 柔軟な: No

- 最終期限:?4pm on 5 April?

- This is Money says:?This account can be opened and managed online or by 地位，任命する.

Best of the 残り／休憩（する）??

Skipton Building Society, three-year 直す／買収する，八百長をする - 4.5% [十分な 詳細（に述べる）s]

- Facts: £5,000

- 移転s in: Yes

- 柔軟な: No

- 最終期限: 5 April

- This is Money says:??This Isa has a 30 month 称する，呼ぶ／期間／用語. You can open and manage it online through Skipton's website, in the Skipton App, in 支店, by 地位，任命する or phone.

Nottingham Building Society, five-year 直す／買収する，八百長をする - 4.05% [十分な 詳細（に述べる）s]?

- Facts: £500 to open?

- 移転s in: Yes

- 柔軟な: No

- 最終期限: 5 April?

- This is Money says:?For those who want to tie up their 貯金 for a longer period, this is 現在／一般に the best Isa. This is a 支店-based account, so to open it 顧客s will have to visit a Nottingham Building Society 支店. It is a 限られた／立憲的な Isa so can be 孤立した at any time.?

Natwest, 平易な-接近 - up to 3.2% [十分な 詳細（に述べる）s]

- Facts: £1 to open

- 移転s in: Yes

- 柔軟な: No

- 最終期限: 5 April

- This is Money says: Big banks have famously rewarded loyal savers with horrendous 率s on their 貯金. But for those who choose to keep their Isa with a big bank and have bigger マリファナs to save, this is the best 平易な-接近 Isa 申し込む／申し出d by a high street 指名する. It 申し込む／申し出s a 率 of up to 3.2 per cent on balances of £25,000 and over. For balances between £1 and £24,999 the 率 is 1.74 per cent.?

This Isa can be opened online, in NatWest's app or over the phone. You can open the Isa in a NatWest 支店 but you will have to bring a phone or tablet with you.?

Barclays, one-year 直す／買収する，八百長をする - 4.6% [十分な 詳細（に述べる）s]

- Facts: £1 to open

- 移転s in: Yes

- 柔軟な: Yes

- Deadine: 5 April

- This is Money says: This is the best one-year Isa 申し込む／申し出d by a big bank. You can （不足などを）補う to three 撤退s, each of up to 10 per cent of your Isa balance, without 存在 penalised.?

It is also a 柔軟な Isa, so you can 身を引く money from the account and put it 支援する within the same 税金 year without it counting に向かって your 年次の Isa allowance.?

This Isa can be opened online on Barclay's website, in the app, by phone or in 支店.?

Moneybox, Lifetime Isa, 4.4% [十分な 詳細（に述べる）s]?

- Facts: £1 to open

- 移転s in: Y es

- 柔軟な: No

- 最終期限: 3pm on 5 April for 移転s in, 11am on 5 April for 開始 an Isa as a new 顧客 and 3pm on 5 April for 開始 an Isa as an 存在するing 顧客.?

- This is Money says:?For those 老年の between 18-39 who are either saving up to buy their first home or に向かって 退職, this is the best 支払う／賃金ing cash Lisa 取引，協定 on the market.?Save up to £4,000 each 税金 year and get a 25 per cent 政府 特別手当. This 取引，協定 is only 利用できる through Moneybox app. The 率 含むs a 0.75 per cent 直す／買収する，八百長をするd 特別手当 for the first year.

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