Top tips for getting a Cash ISA

• If you plan to save each month, then pick a Cash ISA with a high interest rate and a low starting balance of £1 or £10. Arrange for the money to go into your Cash ISA each month, ideally just after you have been paid.

• A Cash ISA you run over the internet tends to pay the top rate. But you can still earn high interest in a branch-based Cash ISA or one you run over the telephone.

• Look to see if there is a short-term bonus that boosts the ISA rates to encourage new savers in. Is the underlying ISA rate good value?

• Check there are no charges if you want to switch out of the Cash ISA at a later date. Switch to another ISA provider to earn high interest if your rate becomes uncompetitive. Get the providers to arrange the switch for you.

• If you don’t want easy access to your money, consider a fixed rate term account – they can pay higher ISA rates. You can’t switch out of it or have access to your money until the end of the term.

Compare ISAs now and make sure you get the right Cash ISA for you.

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