What are the best offers around? could I transfer the money into another bank with a better deal and still get the same interest??? Also, how is the APR calculated? I.e. if I have £1000 from April 08 to April 09 I would get 3.11% interest on £1K, but what would i get (interset wise) if I'd taken out the money half way through the tax year?

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You can get instant access accounts that offer more than that even after you've taken the tax off. Try www.fool.co.uk for the best rates.

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Most ISA's are calculated annually so best left there all year, if you will likley need access at somepoint in an emergency then you can always put half your savings into the tax free ISA and then put the other half (must be with the same bank as you are only allowed more than one ISA account when its one bank) into a fixed rate yearly ISA, where you put the money in there and cant take it out for a year but get MUCH higher interest rate. Once the year is up, that 'bond'' is closed but you can transfer that and interest into another savings account.

Its not the highest of rates you have but if you go to http://www.moneysavingexpert.com you will find the best rates on there.

there is also a savings calculator so you can work out how much you will earn, budgeting calculator and morgage interest calculator.

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