It's worth remembering that if you can't make up your mind the 08/09 ISA is gone forever at midnight on 5 April so as a holding job if you put the allowance in an easy access no penalties ISA now you can decide at leisure in 09/10 what to do.

If you haven’t used your ISA allowance yet, you really need to get your skates on. The tax year ends on Sunday so there’s not long left to take advantage. To make it easier for you, our head of banking, Kevin Mountford, highlights the best deals currently available…

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