Savings Champion

With just days left until the end of the 2013/14 tax year, savers would be wise to move fast if you don’t want to miss out on this tax years' ISA allowance. That’s why we’ve worked up a handy guide of the last of the best rates available for this years' allowance.

It may be wise to opt for an ISA with ease of application such as online or branch based accounts, to ensure you don’t miss out. The important thing is to get the account opened and maximised in this tax year. If the rate isn’t competitive you can always transfer later, provided it allows access.

Variable Rate ISA Best Buys

Provider/Account Name	Minimum / Interest Rate	Opening/Access	Deadline
Earl Shilton Cash ISA – 90 Day Notice	£10 - 1.80%	Post, Branch. 90 days’ notice or loss.	All applications must be received by midday Sat 5^th Apr.
Nationwide Flexclusive ISA Issue 7	£1 - 1.75%	Online, Branch. Easy Access.	Online applications up to midnight Sat 5^th Apr, branch apps by 5pm Fri 4^th Apr, Postal must be received by 5^th Apr at the latest, any received after will not count.
Hinckley & Rugby 120 Day Notice Cash ISA Issue 2	£500 - 1.75%	Post, Branch. 120 days’ notice or loss.	Postal apps received by Fri 4^th Apr, Branch apps by midday Sat 5^th Apr.
National Counties Building Society 3^rd Issue 45 Day Notice Cash ISA	£3,000 - 1.65%*	Post, Online, Branch, Phone. 45 days’ notice only.	Online apps must have been completed by midday Tues 1^stApril, Postal apps to be received before midday Fri 4^th Apr, can be opened in Branch up to midday Sat 5^th Apr.
Santander Direct ISA Saver (Issue 6)	£1 - 1.60%	Online. Easy Access.	Branch apps by closing time 5^th Apr (local times vary), Phone – 4^th Apr 21:00, Online – 4^th Apr, app must be completed by 23:59.

*rate based on £3,000 invested, higher rates are available for higher balances

Fixed Rate ISA Best Buys

Provider/Account Name	Minimum / Interest Rate	Opening/Access	Deadline
Skipton Building Society 5 Year Fixed Rate Cash ISA	£500 - 3.00%	Post, Branch. Access on closure only.	All channels by noon Sat 5^th Apr.
Coventry Building Society Fixed Rate ISA (20) 30.11.2017	£5,760 - 2.75%	Post, Online, Branch. Access on closure only.	Will be removed from the website 31/3, branch/telephone applications accepted up to 5^th Apr. New version (same rate) being launched 1^st Apr for next years’ allowance, account opening available from 6^th Apr.
Santander 123 2 Year Fixed Rate ISA	£500 - 2.30%	Branch. Access on closure only.	Branch apps by closing time 5^th Apr (local times vary), Phone – 4^th Apr 21:00, Online – 4^th Apr, app must be completed by 23:59.
Nationwide/Halifax 3 Year Fixed Rate ISA	£1/£500 - 2.25%	Branch (& online for Halifax). Access on closure.	Nationwide = Online applications up to midnight Sat 5^th Apr, branch apps by 5pm Fri 4^th Apr, Postal must be received by 5^th Apr at the latest, any received after will not count. Halifax = Apply in branch until 4pm 5^th Apr, Phone until 4pm 5^th Apr, Online by 23:59 5^th Apr.
Nationwide/Halifax 2 Year Fixed Rate ISA	£1/£500 - 2.05%	Branch (& online for Halifax). Access on closure.	Nationwide = Online applications up to midnight Sat 5^th Apr, branch apps by 5pm Fri 4^th Apr, Postal must be received by 5^th Apr at the latest, any received after will not count. Halifax = Apply in branch until 4pm 5^th Apr, Phone until 4pm 5^th Apr, Online by 23:59 5^th Apr.
Halifax 1 Year Fixed Rate ISA	£500 - 1.65%	Online & Branch. Access on 90 days loss	Apply in branch until 4pm 5^th Apr, Phone until 4pm 5^th Apr, Online by 23:59 5^th Apr

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