The best Isas on the market

When Northern Irish golfer Rory Mcllroy won the US PGA tournament last weekend he wasn't the only one celebrating. Thanks to a promotional deal with bank Santander, more than 600,000 Santander Major Isa holders received a 0.1% bonus. For golfing fans in particular it's a neat gimmick. However, since the promotional push in April when the tax year begins and new Isas hit the market we've seen some of the best deals "fizzle away", says Lee Boyce in This is Money.

The best instant-access Isa is the West Bromwich WeBSave Isa 6. The online-only Isa offers 3.18% and allows transfers in. The only drawbacks are the 60-day notice period for penalty-free withdrawals and minimum £1,000 starting sum.

Further down the table are the Post Office Premier Cash Isa (3.01%) and the M&S Isa (3%). They both need a minimum deposit of £100 and allow transfers in. The Halifax Online Isa only offers 2.75%, but can be opened with as little as £1. Other benefits include instant access and a three-monthly prize draw.

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If you are prepared to lock up your money for a while, then Santander's two-year fixed Isa offers a market-beating 3.6%. However, golfing fans should note that the Mcllory bonus is no longer available.