So rather than dashing down to the high street to see what last minute offers are available, use the web to do the research so that your full tax allowance can be used before 5 April.
It will be tight and you will need to make sure you have everything to hand, including the money, to beat the deadline.
The new group of stand-alone online banks should, in theory, be able to offer very competitive rates, particularly for straight interest earning cash ISAs, as overheads should be considerably lower than those available over the counter in the high street.
Unfortunately, time is against the online banks as you might need to get proof of ID to them, so if you do not have an account with them already, you might have to make do with a plain bricks and mortar account.
www.thisismoney.co.uk is a very good starting point for ISA savings research.
Backed by personal finance writers from the Daily Mail and Mail on Sunday, the site gives a clear round up of what is available in the savings market, with regularly updated comparisons, and highlights some key points that should be considered before signing on the dotted line.
The Co-operative Bank’s www.smile.co.uk offers the best rate for savers, but it might be too late to try and arrange the account online. www.egg.com and www.cahoot.com compete with smile for the silliest name, but all are worth looking at, and even if you miss the deadline there is nothing to stop you from signing up for the next tax year. Of the high street names, the Bank of Scotland’s website (www.bankofscotland.co.uk) always scores well in web reviews but it did take a while to find details of its ISAs on the site.
First Direct’s site is very slick, but you will have to phone up for details of interest rates, though that is not difficult as the company is predominantly a telephone banking operation.
OUR TOP FOUR SITES www.thisismoney.co.uk Simple to understand, easy to navigate, packed with useful tips on personal finance. ****
www.smile.co.uk Arguably the top internet bank. Offers good interest rates and signing up is straightforward. ****
www.bankofscotland.co.uk Comprehensive site and good facilities, but it can be difficult to find what you’re looking for. ***
www.firstdirect.com Very nice site. Plenty of thought has gone into the design, but remember it is a phone bank. ****.
New growth opportunities in Aberdeen, North East Scotland, are being invested in by Grant Thornton
If businesses do not take cyber security seriously in their business planning regulators may do it for them, the ICAEW has warned
The Financial Reporting Council has issued guidance regarding the annual reporting of 1,200 large and smaller listed companies. The letter highlighted the key issues and improvements that can be made in the 2016 reporting season
Deloitte's north-west Europe foray; BDO, Smith & Williamson investment paths; Shelley Stock Hutter; and Wilkins Kennedy discussed by editor Kevin Reed on our Friday Afternoon Live broadcast