Which? newsCo-op bank downgrade

The Co-operative Bank reassures that customers' savings are safe after its debt status is downgraded.

Which? guideBest Rate cash Isas

Here at Which?, we've scoured the cash Isa market to find the best tax-free accounts with the highest savings rates.

The government confirms it will outlaw consultancy charges for auto-enrolment schemes.

Which? Recommended credit card providers
Provider	Which? verdict	Customer score
John Lewis/Waitrose	Top-score for customer satisfaction. Good reward scheme, but for 0% deals and a good APR, look elsewhere.	87%
The Co-operative Bank	Popular with members and has a clear ethical stance. Offers a good card for borrowing.	84%
Saga	No foreign loading fee for use abroad and reasonable APR. A good choice for the over-50s.	82%
Post Office	Good customer score and charges no foreign loading fees for use abroad, however has a average APR and 0% balance transfer deal.	79%

Which? recommended car insurers
Insurer	New customer maximum age	Customer score	Which? policy score	Total score
NFU Mutual	80	84%	82%	83%
Volvo Car Insurance	80	75%	82%	79%
LV=	No limit	75%	76%	76%
Nationwide BS	No limit	72%	80%	76%
Toyota Insurance	No limit	68%	80%	74%

Car insurance satisfaction Claims satisfaction rates

Which? recommended home insurers
Provider	Customer score	Building policy score	Content policy score	Total score
Hiscox	78%	86%	90%	83%
NFU Mutual	83%	79%	84%	82%
John Lewis Insurance	77%	85%	84%	81%
Marks & Spencer Bank	69%	81%	86%	76%
Ecclesiastical	72%	78%	79%	75%

Which? recommended savings account providers
Provider	Which? verdict	Customer score
First Direct	Offers a decent cash Isa paying up to 3%, but many accounts are only open to those with a First Direct current account.	76%
Aldermore Bank	Offers competitive one, two and three-year fixed-rate cash Isas as well as decent ordinary savings deals.	71%
Co-operative Bank	Its fixed rate savings accounts pay competitive rates and its promise to invest money ethically is an attraction for many customers.	70%
Leeds Building Society	Offers a decent one-year fixed-rate cash isa and pays above average rates on its ordinary savings accounts.	69%

Which? recommended bank account providers
Provider	Which? verdict	Customer score
First Direct	Owned by HSBC. First Direct will pay £100 if you switch. Customers need to pay £1,000 into their account or will face a monthly £10 fee.	92%
Smile	Owned by The Co-operative Group. This is an internet bank with a current account offering a 12-month £500 fee-free overdraft.	87%
Co-operative Bank	An account with £200 fee-free overdraft. Its promise to invest money ethically is an attraction to many customers	87%
The One Account	Owned by RBS. This bank specialises in accounts which combine your mortgage with your current account.	85%
Nationwide BS	It offers full branch and internet banking facilities, but it recently started charging fees for all debit card transactions abroad.	76%

About Which? relationship with these providers

Wherever we display a "MORE INFO" button in the tables below, that company pays us a small fee each time someone clicks on the button.

These payments do not influence whether a product is in the table, where it appears, or whether it continues to do so.

Our Best Rates tables are compiled by our independent researchers.

All revenue raised from these tables is reinvested in our research and campaigning work on behalf of all UK consumers.

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