Isas used to be so simple. Now there are new Isas popping up all over the place with ever-more complexity. So we go back to basics and explain what they are and what they're good for. In this episode of the Big Money Questions, senior investment planner at Vanguard James Norton goes through what you need to know, and how you can get started if you are saving for the long term and want to open a stocks and shares Isa.

A retired couple moving back from Canada to settle in Cornwall were left in limbo after a huge payment seemingly went missing while being wired across the Atlantic. Brian Dover 78 and his wife Carolyn, 74, moved to Canada in 2013, but soon discovered that the winters in the North American country were too harsh for them.

Millions of hard-pressed savers received a boost today with NS&I; revealing it is passing the full base rate rise on - including shortening the odds on Premium Bond prizes. It says the current prize fund rate for Premium Bonds is 1.15 per cent - this will rise to 1.4 per cent on 1 December 2017 - with a bigger pot and more prizes.

A new era of banking will be ushered in from January next year - and security experts say it could put people at greater risk of scams and identity theft. Under new 'open banking' rules, Britain's biggest banks will be forced to share customer data with companies that demand it. Security experts say cyber-criminals will seek fresh opportunities under open banking.

NatWest's 0.01% Instant Saver rate is so bad that it speeds past measly on its way to parody. It is so small that there is almost no point in offering it or earning it. This rate delivers 10p on £1,000 in a year. And yet it believes that it's an acceptable rate to offer to customers. Why? We asked the bank to explain.

There may be hope yet for Santander customers who are defrauded after the bank chose to reimburse more than £100,000 to one victim. Zuzana Miklova, 34, from Purley, south London, was conned out of £109,000 after falling victim to a text message scam, known in the industry as smishing, last week.

I'm a basic-rate taxpayer employed in IT and, by an amazing bit of luck, bought 1,000 bitcoins in 2012 for £5 each. I've been told they are now worth more than £4 million at the current exchange rate. As this is a virtual currency, does that mean I have to declare the sale for tax purposes?

Hard-pressed older savers who are struggling to find a decent return on their cash may be tempted into products with high rates of interest that are prominently advertised on the internet - but they must be aware of the risks. One such product is being marketed for the over-55s with the tagline 'Pensioner Bonds Are Back' by a firm called Basset & Gold.

Linda Walker wasn't particularly surprised to receive a call in June from someone saying they worked for BT. The 58-year-old had been having problems with her mobile phone. Just a few hours later, she would discover the man had nothing to do with BT at all. In fact, he was a criminal with a devious plan to raid her bank account.

Although cash Isas don't currently offer fantastic rates, it is still worthwhile opening one to shield money away from the taxman. Our savings correspondent Lee Boyce picks his five favourite cash Isas for savers in 2016 - essential reading to help you choose a top savings account for your money. This page is kept up-to-date throughout the year - bookmark it for the very latest developments.