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Fixed Rate Cash Isers
The top two year fix cash iser would charge you a penalty of 90 days of interest for withdrawing your cash. It can sometimes be worth going for a cash iser over normal savings even with no tax advantage because you have the option to get your money out, though your payer penalty to do so. There are many people with fixed rate cash isers paying less than 1% because they fixed them a year ago or two years ago. But if you have a year or two left rates are so much higher on the top paying cash isers now. In many cases, it is worth paying the penalty and then going to a new by and to move a cash waser.