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Beat April ISA deadline

Savers now have just over two weeks to make the most of this year's ISA allowance, so you'll need to get your skates on if you want to take advantage of the top rates currently on offer.

While not everyone is in a position to use their full ISA allowance before April 5, figures from HMRC show that only 15 million adults in the UK subscribed to an ISA during the 2009/2010 tax year. That means under a third of UK adults have invested in an ISA, so millions are failing to save tax-efficiently.

Karen Barrett, chief executive of professional advice website unbiased.co.uk, said: "No matter how little you can save, putting away a small amount regularly each month in a tax-efficient savings account can make a big difference in the long term."

Choosing an account from the hundreds that are available can be daunting, so here we give a rundown of some of the top accounts and what they offer.

Savers who want to be able to get their hands on their cash quickly should consider an easy access ISA. However, bear in mind that if you invest your maximum allowance and subsequently make a withdrawal, you cannot then top up your account that tax year.

The current best easy access ISA is the AA's Internet Access ISA , which pays 3.35% on a minimum balance of £500 . However, this account does not accept transfers in from other ISA providers. The rate on this account includes a bonus of 1.65% for the first 12 months, so you may want to move your money at the end of this period.

Santander's Flexible ISA Issue 3 similarly pays a massive 3.30% on a minimum investment of £1 . It also guarantees the rate will remain at least 2.80% above base rate for 12 months. If you're concerned that the Bank of England is going to hike rates soon, that's an attractive promise. This account again does not accept transfers from other providers and the rate includes a hefty 2.80% bonus for the first year, so you should transfer your money to another account when this disappears.

Low Interest Credit Cards | interest credit

Low and even zero interest credit cards seem, at least on the surface, the solution to growing problems of personal debt. Providers give the user the installation of very low or no interest credit for a certain period of time. With these, you can transfer the outstanding debt accumulated from one card to another for anything from four months to fifteen months. Without doubt, this is an attractive and even beneficial to save money, and many users are satisfied with their low or zero credit card interest.

There are, of course, nothing like a free meal.Banks that provide such a facility to their customers and do not do it for philanthropic reasons, and manage to win even without such an arrangement apparently friendly. As already mentioned, the rate reduced or canceled interest on the loan is for a limited period only, after which it can change abruptly to anything from 10% to 18%. Anyone using a low or zero interest cards must be aware of the conditions after the specified time.

The fine print is of course something that banks are not too eager to emphasize greater importance, and an editor of business creation can hide so well in verbal razzle-dazzle that is almost undetectable.

Spender A small-print warning and conscientious can probably benefit greatly from a low or a credit card to zero. However, it seems that these users of low or zero interest credit cards are more the exception than the rule.The rule is that the user credit card tends to be seduced by a blissful state of complacency and reckless spending habits of the initial low / zero interest rate, and then a rude awakening when this period is over.

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