Everyone who's aged 16 and over can put up to £15,240 each tax year in a cash ISA - a savings account where you don’t pay tax on the interest.
The best rates pay up to 2.3% and the earlier you save the more you'll earn. Don't worry if you've opened one in previous tax years, you can open another with whichever provider you choose. And if the rate is poor on your old ISA you can transfer it to the new one.
Best cash ISAs 2015/16
If you don't use it, you lose it.