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.
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Which? Recommended Providers
Credit cards
| Provider | Which? verdict | Customer score | Find out more |
|---|---|---|---|
| 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% | |
Car insurance
| 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
Home insurance
| 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% |
Savings
| Provider | Which? verdict | Customer score | Find out more |
|---|---|---|---|
| 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% | |
Bank accounts
| Provider | Which? verdict | Customer score | Find out more |
|---|---|---|---|
| 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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