Use it or lose it: Midnight deadline to fill your cash Isa pot - what are the best last-minute deals?

Last minute Isa deals: Where can savers still stash their cash?

With just hours to go until the new financial year, the cash Isa season, which usually brings a raft of best buy rates from providers, has failed to materialise, much like the Spring weather. Our savings expert Lee Boyce highlights the best last minute cash Isa deals that late savers can still stash money in and explains why even low rates are worth having.

Building societies make first move with cash Isas for new tax year, but savers are left with the same old sinking feeling

Making a splash: A raft of cash Isa deals have arrived for the new tax year - but do they beat current offerings?

A handful of building societies have announced new cash Isa deals for the 2013/14 tax year, as they look to bag savers looking to fill the £5,760 allowance early. But do any of them beat the current woeful best buys?

House prices rise again, with sales are up 10%, says Halifax, as it tips modest increases for 2013

The Halifax view: 'Overall, we expect to see a modest increase in UK house prices during 2013'

Prices rose 0.2 per cent in March and are set for a 'modest increase' over 2013 amid continued signs that the market is lifting.

Fears of salary chaos as PAYE tax system faces reform after more than 70 years

Upheaval: Business groups fear the change will land many small employers with extra costs

The Paye As You Earn tax system is on the brink of the biggest upheaval since it was introduced in the 1940s, prompting fears of chaos as business groups warn many small firms are still not ready.

Their reward for banking failure was a string of lucrative roles, but now the trio at heart of HBOS downfall face exile and infamy

Damning report: The roles of Andy Hornby, Sir James Crosby and Sir Dennis Stevenson in the HBOS collapse have been paid bare.

Former chief executives Sir James Crosby and Andy Hornby and former chairman Lord Stevenson of Coddenham - find themselves firmly in the cross-hairs of Parliament's committee on banking standards. If its clarion call to the new City regulator is taken up, the trio could be stripped of the chance ever to work in the financial sector again.

An end to sky-high payment fees: New rules for retailers mean 'admin' and 'booking' charges must reflect cost

New rules: The government has brought forward part of the Consumer Rights Directive to stop retailers from imposing unnecessarily card surcharges on customers.

In the past airlines, cinemas, ferries and even government bodies have come under fire for imposing excessive credit and debit card surcharges on customers.

Finally a banker falls on his sword: Former HBoS chief executive quits top City job after damning report

Former Halifax chief executive Sir James Crosby was accused of catastrophic failures of leadership at the bank, which was brought to the verge of collapse by reckless lending levels, the damning report said

Former HBOS bank chief executive accused of 'setting the course for disaster' was today forced to resign from private equity firms Bridgepoint hours after being slated in a report.

Drivers shrug off superstition to snap up cars with new '13' plates - with a Ford Fiesta still the nation's favourite

Ford Fiesta: The small economical motor continues to be the most popular new car to buy

Motorists ignored superstition and bought 394,806 cars with new '13' number plates last month, coincidentally the 13th month of rising sales.

Record shops to stage High St comeback: 2,500 HMV jobs and 130 stores 'saved in £50m deal'

Rescue: 130 stores could be saved in a £50million deal, it has been reported

Specialist restructuring firm Hilco has signed an agreement securing the future of the chain, in a deal that will preserve 2,500 jobs.

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FTSE LIVE: Footsie falls further this morning; easyJet and BA shares down. Japan leaps again on

Overnight: Despite weak jobless figures in the US, the Dow Jones ended up 55.7 points at 14,606

The FTSE 100 suffered another downbeat session today as investors opted to remain on the sidelines ahead of all-important jobs figures in the United States. Having fallen by more than 70 points in its past two sessions, the FTSE 100 slipped another 32.8 points to 6,311.5 on opening as the growing conflict between North and South Korea also threatened to impact on sentiment.

Japan's 'shock and awe' to end years of weak growth. Will rival central banks print more money to follow suit?

Changing Of The Guard

The Bank of Japan has unleashed an unprecedented £900billion plan to inject life into the world's third largest economy and end two decades of stagnation.

Barclays moves to boost its cash safety net by issuing £660m of debt

Barclays: The move could raise questions over the bank's ability to sell ordinary debt

Barclays has moved to boost its cash safety net by issuing £660million of an unusual form of debt that will see it pay four times the interest rate on standard bonds.

Recovery in all-important services sector signals UK will dodge a triple-dip recession - but only just

Services growth: Freezing weather last month did not deter people from going out and spending money

The economy is forecast to have eked out growth of around 0.1 per cent so far this year - meaning it is still flatlining, but the Government would not suffer the stigma of a third recession in less than five years.

Coventry BS makes the running with new best-buy cash Isa for the coming tax year - and saving into it will help Poppy Appeal

Poppy Isa: Coventry BS will have the standalone best buy Isa from tomorrow with a 2.6% offering

Number of tenants in severe arrears surges this year as rising rents and snowballing bills bite

Rent arrears: The level of severe arrears over the last twelve months is now 20 per cent above the long-term average - at 2.3 per cent of all tenancies in England and Wales

The number of tenants in 'severe arrears' jumped by 4,000 to 94,000 in the first three months of this year - marking the fourth highest figure on record

When will UK interest rates rise? Hopes rise that triple-dip recession will be averted - but rates to stay stuck at 0.5% for years

Bank of England in London

We explain the factors that will decide when interest rates rise and how quickly, including the latest forecasts from markets and economists.

FTSE 250 investors smash the blue chips but can shares and funds keep shining?

Long-term view: Yellow: FTSE 250 vs Blue: FTSE 100

Top five cars that hold their value best and five that plummet fastest - and yes, 4x4s clean up again

Skoda Yeti vs Volvo S80

It's no secret many new 13 motors will lose their value quickly. This is Money alongside Auto Trader reveals the depreciation winners and losers and why for car buyers, a Skoda is no joke.

SIMON LAMBERT: It's time insurers stopped taking our money then stinging us with the car valuation con

Car sting: Insurers regularly payout less than a write off could actually be replaced for.

Of all the car insurance catches, the deliberate low ball offers dished out on write-offs probably sees the least pressure on insurers to mend their ways. Yet it can be the most costly.

'Drivers left high and dry:' AA renews call for petrol retailers to come clean on wholesale costs

Racing ahead: How diesel and unleaded prices have crept up in recent years

Some drivers were charged £2 a tank more for petrol than other motorists in neighbouring towns over Easter, according the AA.

How to get the cheapest car insurance: Ten tips for cheaper car cover

Car insurance: Premiums are rising rapidly - follow our guide to get the best deal

One in three motorists pay over the odds for their car insurance and new rules could make the situation worse. We reveal ten tips to get the cheapest car insurance deal

'There's still life in the High Street': Dragon Theo Paphitis on the state of Britain's shops

Theo Paphitis

Households to feel the freeze with energy bills set to rise as cold weather keeps wholesale gas prices high

Deep freeze: Snow covered fields in North Yorkshire earlier this week - energy experts warn that the cold weather will push up energy bills later this year.

Energy experts claims that 'recent wholesale prices clearly make price rises more likely' in the future - as the cost of gas on the wholesale market remained at a high level due to the cold weather.

Government appoints entrepreneurs to champion small business and give tips from those who've been there

Vince Cable Business Secretary and Rekha Mehr (left) and Lawrence Tomlinson (far right), at Fortnum and Mason store in London

Lawrence Tomlinson and Rekha Mehr will help guide future business policies at the Department for Business, Innovation and Skills

Skip your daily latte. Ditch the TV channels you never watch: 10 steps to become a pension millionaire

10 steps to become a pension millionaire

It's never too late to save for a pension. But it can seem like there is no spare cash to put aside. Here, we’ll show you how to find some. And by cutting your bills, quitting expensive habits, and using your salary wisely, you could build a much healthier pension pot. Start early enough and it could even hit £1 million.

Going on holiday? Don't get stung. Best debit and credit cards to help you avoid overseas fees

On holiday? Make sure you're not spending too much on fees

Travelling abroad is costly enough without the added horror of returning home to find your bank statement littered with extra fees after using your card overseas. Cut your costs when spending abroad by picking a specialist card with no overseas fees.

MPs tell Government to clear up confusion over fast forwarded flat-rate state pension plans

Planning to be done: Hargreaves Lansdown head of pensions research says 'The sooner the government can issue clear, individual statements to everyone, starting with those retiring in 2016 and 2017, the better'

The new flat-rate state pension - which will affect around 40million people of working age - is now due for implementation in just three years’ time.

Landlords facing 120% mortgage payment hike as Bank of Ireland tears up their trackers, but watchdog says it can't help

Homework: Sanjay Arora says it is easy to get carried away at property auctions so he always does his research to make sure of the best deal

Thousands are bracing themselves for a large increase in costs as Bank of Ireland forces through a controversial rate rise – and the FSA says it is unable to intervene.

£6,500 pension 'gender gap': Women to retire on a third less income than men - and the gap is getting wider

Research shows women expect to have a much lower pension than men.

Women who retire in 2013 expect their annual retirement income to be more than a third less than their male counterparts, according to new research by insurer Prudential.

Get a cash Isa to boost your savings: Five things you need to know about tax-free saving - and the mistakes to avoid

Top tips: Five things you need to know about cash Isas

Fund and investment trust tips: The experts' ideas for different investors and their ISAs

Little wonders: Long-term investing in a good fund or investment trust can pay off. Our experts give some ideas of which ones to consider.

Picking an investment is tricky. We get the experts' ideas on funds and investment trusts for first-timers, income and emerging markets.

Our savings picks: This is Money's five favourite best buy cash Isas for 2013

number 5

We pick our five favourite cash Isas for savers. This is essential Isa reading and is kept up-to-date throughout the year

How to pick the best (and cheapest) DIY investing Isa

DIY investing: If you want to invest across shares, funds, investment trusts and ETFs, picking the right platform can save you a substantial amount.

Millions may soon be told in pounds and pence precisely how much of investments are eaten by charges

Coming clean: We challenged the industry to come clean on the hundreds of pounds are deducted from nest eggs without savers realising.

The landmark move will be unveiled by the new boss of the fund management trade body.

How to be a DIY investor and take control of your money to build a richer future

DIY investing: There has never been a better time to take control of your investments and build your fortune.

Whether you are starting from scratch or want to make more of money you’ve already put aside, there has never been a better time to become a DIY investor. We explain how to do it.

ASK TONY: Barclays lost my cash - and now the bank is blaming me

Ask Tony cartoon: Barclays lost my cash and blamed me

I used a Barclays cash machine to withdraw my pension from my Nationwide account. The machine issued me with a receipt, confirming money had been taken from my account, but no cash came out. Since then I have tried unsuccessfully to have the matter resolved. I have even received a phone call from Barclays asking if I walked away and left the money there.

Are you as smart as a 15-year-old? GCSE students to be tested on their financial skills... but would you pass the test?

Pupils will be taught how to manage their money

English schoolchildren will be assessed on financial literacy for the first time from September 2014 to ensure young people have the skills, knowledge and confidence to manage money well. The G.C.S.E-style exam will assess financial knowledge and the ability to solve financial problems.

It's getting CHEAPER to run a home as mortgage payments fall - but soaring energy bills now make up 18% of cost

Mortgage payments: Have fallen drastically in the last five years

The cost of owning and running a house has increased by almost two per cent over the last year, according to a study.

Recession winners: Domino's Pizza sees sales boost as more people order take-outs during winter freeze

Busy: Recent price promotions, plus the launch of new products such as its hot dog stuffed crust, also provided a boost

Shares at the UK's biggest pizza delivery company shot up 36.5p (6.4 per cent) to 607.5p as it revealed first quarter sales rose nearly 7 per cent compared with 2012.

'Prolonged and extensive mis-selling': SSE ordered to pay £10.5million after sales staff lied to customers to get them to switch

Fuelling anger: SSE staff gave mis-leading statements to pursuade customers to switch deals.

Customers were mis-sold energy deals over the phone, in stores and on their doorstep by SSE staff who were paid commission for each sale they made.

Could you pass bank ethics challenge? Standards body makes integrity test compulsory for City members - and invites public to have a bash too

Integrity test: Existing and would-be members of the CISI risk being frozen out of the finance industry unless they pass the mandatory test in future

UK savers will escape Cyprus government raid on savings in stricken Laiki Bank

Euro crisis: Laiki depositors in Cyprus could be forced to accept losses of up to 60 per cent under the European bailout deal to save the country from bankruptcy

Around 15,000 savers in the UK arm of Laiki will see their deposits protected under British rules and will escape the Cyprus banking levy.

The next PPI? Company claims tens of thousands are victims of sub-prime and interest-only mortgage mis-selling

Mis-selling: Self-certified mortgages are designed for self-employed people like builders, but those eligible for certified mortgages may have been sold the products.

The Council of Mortgage Lenders has denied that there was widespread mortgage mis-selling amid claims that 'tens of thousands' could be entitled to compensation.

No more loopholes for insurers to block payouts over a detail that hadn't even been asked for

Closed loopholes: The changes mean that honest mistakes won't be penalised

A new law will bar insurers from rejecting claims when customers fail to declare vital information, for example a GP visit for an unrelated medical issue. A new rule comes into effect on Saturday that puts the onus firmly on insurers to ask clear questions about what they want to know.

Cash seeps out of bond funds amid fears bubble could burst with investors seeking value in equities

Bubble fears: Bond prices have soared in the past two years ¿ but this may change, especially if the Bank of England changes policy and stops printing more money

Sterling corporate bond funds were the worst-selling sector in February 2013, while more money was going into equity funds than at any time for nearly two years, according to industry figures.

Cheap or nasty?: How can you tell when an investment is 'cheap' - and where can investors grab a bargain now?

Cheap as chips: Europe, Japan and commodities

How do you work out whether an investment really is cheap? And are the top bargains right now - Europe, Japan and commodities - worth buying?

Mortgage rates could be slashed again as competition among lenders hots up

Mortgage availability for those with large deposits remains higher than for those without (Source: Bank of England)

Mortgage deals became significantly cheaper for borrowers in the first three months of this year, according to a Bank of England survey of lenders released today.

Barclays moves to boost its cash safety net by issuing £660m of debt

Barclays: The move could raise questions over the bank's ability to sell ordinary debt

Barclays has moved to boost its cash safety net by issuing £660million of an unusual form of debt that will see it pay four times the interest rate on standard bonds. The measure is likely to raise questions over the lender's ability to sell ordinary debt.

BoE defends efforts to increase lending to small firms, despite banks favouring mortgages and big business

Andy Haldane

The Bank of England has defended efforts to boost lending to small firms as British banks were accused of leaving them 'out in the cold' by starving them of cash.

Versace fashions a stake sell-off to fund expansion overseas

Star customer: Actress Penelope Cruz

The company, whose customers include Penelope Cruz, pictured, is ready to sell some of the company to outside investors to help fund expansion in overseas markets such as Asia.

When will UK interest rates rise? Hopes rise that triple-dip recession will be averted - but rates to stay stuck at 0.5% for years

Bank of England in London

We explain the factors that will decide when interest rates rise and how quickly, including the latest forecasts from markets and economists.

Now you can fix your mortgage for five years at 2.64%. What next for mortgage rates and should you fix?

Houses and calculator

First Direct has launched a 2.49 per cent three year fix and a five-year fixed rate at 2.64 per cent. So is now the time to lock in?

Property market gets a Budget boost so are things looking up? What next for house prices?

Houses and bar charts

The Budget put the property market back on centre stage, while better mortgage deals have been delivered by the Funding for Lending scheme. So what now for prices?

Premium Bonds winners

April 2013
Prize value Winning bond No. Area
£1,000,000 22SF246026 Inner London
£100,000 191NJ144487 Leicester
£100,000 190ZK987135 Leicester
£100,000 8CQ936734 Oxfordshire
£100,000 154BN808456 Wales
£100,000 146XD748737 Dorset
£50,000 88SM244528 Reading
£50,000 32XB518375 Kent
£50,000 165PT295305 Bristol
£50,000 191CJ527538 Somerset
£50,000 49WP752451 South Yorkshire
£50,000 100QC663171 Durham
£50,000 139BM226297 Lancashire
£50,000 73BM003304 Gwent
£50,000 192HW932875 Lincolnshire
More Premium Bonds winners

Tourist rates

Currency Rate Buy now
Updated 05 Apr 2013.
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Canadian Dollar 1.5004 Buy Now
Chinese Yuan 9.0598 Buy Now
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