To help you make more from your money, each month Retirement and Investment Solutions will provide you with best buys for your savings.
- Best instant access
Coventry Telephone Saver
The Telephone Save from Coventry Building Society pays 3.25% AER on balances over £500. It includes a big 1.25% bonus for 12 months and you can make unlimited withdrawals.
- Best 1 year fixed rate
If you have £1,000 to save, the Co-Op Bank 1 year fixed rate bond pays 3.5% AER. However, no additional deposits or withdrawals can be made after opening. You can open and operate the account online, by telephone, in a branch or by post and interest can be paid annually or monthly.
- Best 3 year fixed rate
Co-Op Bank pays 4% AER on its fixed rate three year bond for balances over £1,000. You can open and operate the account online, by telephone, in a branch or by post and interest can be paid monthly or on maturity.
- Best 5 year fixed rate
Yorkshire Bank/Clydesdale Bank
The Fixed Term Deposit account from Yorkshire Bank/Clydesdale Bank pays 4.25% AER for five years with a minimum deposit of £2,000.
- Best 1 year fixed rate Cash ISA
The Fixed Rate ISA from Santander pays 3.5% AER for one year. You can save from £2,500 and transfer in money from previous years' ISAs. It can be operated by phone or in branches and can be viewed online. Interest will be paid annually.
- Best 3 year fixed rate Cash ISA
Marks and Spencer
The three year Fixed Rate Cash ISA from M & S pays 3.75% AER on balances over £500. It also accepts transfers from previous years' ISAs.
- Best 5 year fixed rate Cash ISA
The Fixed Rate ISA Saver from Halifax pays 4.15% AER for five years. You can only make one deposit which needs to be at least £500 and can also transfer in money from previous years' ISAs.
- Best variable rate Cash ISA
The Instant Access ISA from the Post Office pays 3.01% AER for deposits of £500 or more and it can accept transfers from previous years’ ISAs. The rate includes a bonus of 1.26% for 18 months and interest is paid annually. The account can be opened by phone or by post