best isas interest rate

Hi paul18, and welcome to the forum.

Have a look at money.co.uk's Top 10 Cash ISA Table, scroll down to the 'Full Results' as well as looking at the 'Promoted' ones...

http://www.money.co.uk/savings-accounts/cash-isas.htm

I'd advise NOT to go for a long-term ISA. The highest ISA rate at the moment is around 5% for 5 years (3.8% for 3 years) and with the BoE base rate currently at 0.5% rates can really only go up. You'll feel a fool if you put your money in a 5-year 5% fixed-rate, and then find that interest is at 6% in 2013-14 tax year with banks better rates than the money you have tied up for another 2 years. Just my tuppenth

Still, if you DO want a long-term fixed rate (and there are god reasons to have them) the best rate on offer presently is from the Coventry at 5% for 5yrs (or still very attractive at 4.15% for 3yrs) but you will need you full £5,340 allowance available to transfer in at account opening. If this may be a problem, try Northern Rock or Skipton BS, both of which offer 4.5% fixed for 5 years, you'll only need to start with £500, and you can transfer in previous years ISA balances.