Remember that this is not advice, you should check the details. This is a guide to the current “best” rates around. MoneyFacts is a great site to check this on. Beware that all banks are not alike and those offering great rates of interest may simply need your cash rather more, which is not necessarily a good thing.

One Year Deposit

Online: Aldermore 3.55%

Bank: Santander 4.15%

Building Society: Yorkshire 6.00%

Two Year Deposit

Online: Derbyshire: 3.95%

Bank: NatWest 3.75%

Building Society: 3.95%

Instant Access

Online: Nationwide 3.05%

Bank: Santander 2.50%

Building Society: Nottingham 3.25%

Fixed Rate Cash ISA

Online: Halifax BOS 4.40%

Bank: Halifax BOS 4.40%

Building Society: Cheshire 4.40%

Variable Rate Cash ISA

Online: AA Internet Access 3.35%

Bank: Santander 4.00%

Building Society: Derbyshire 3.15%