Barclays has dropped the rate on its Golden ISA, which was our top-pick until the change.
From today, new customers will no longer get the 1% point bonus for a year, making the new rate 2.58%. Following the drop, the new best-buy ISA is National Counties Building Societyís Guaranteed Cash ISA, which pays 3.26%. It does not accept transfers from other ISAs, however.
The highest-paying account that accepts transfers is Marks & Spencerís Cash ISA, which pays 3.1%, including a 1% point bonus until April 2010.
A cash ISA is simply a tax-free savings account. At present, you can deposit up to £3,600 in any tax year (April to April).
From October, anyone who is 50 or above, can put up to £5,100 in a cash ISA, following changes announced in last monthís Budget. Anyone under 50 will only get the extended limit next April.