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Last week's Budget announcements on savings will likely reshape how many save in the coming years, so we'll start with Martin's explainer of what the Budget changes for savers mean, then it's on to:

- Martin's 3 things to consider before saving.
- Top 4.52% easy-access savings: Withdraw when you want.
- Top 4.5% fixed savings: Lock money away at a guaranteed rate.
- 3 ways to boost interest to up to 50%.
- 2 ways to minimise tax: Cash ISAs & Premium Bonds.

...Remember, you can pick 'n' mix as many savings accounts as you want to combine terms that suit you.

Martin: Savers face real change due to the Budget...

Cash ISA allowance to be cut. A cash ISA is just a savings account where the interest isn't taxed (see my 'Understanding ISAs is a piece of cake' YouTube video primer).

On 6 April 2027, while the total ISA limit will stay at £20,000, the amount those aged under 65 can save in a cash ISA will be cut to £12,000 (it'll stay at £20,000 for those aged 65+). That means you can either put up to £20,000 in a shares ISA, or up to £12,000 in a cash ISA with the remainder in shares if you choose.

This reduction only applies to NEW money being put in, not cash already in ISAs, nor does it limit cash ISA transfers. So, if you have that much cash to save, and aren't planning to use your ISA for shares, do max out this & next tax-year's