Savings accounts come in many forms. We have split them into seven groups; Internet, instant access, notice, savings bond, mini cash ISA, TESSA only ISA and child savings, and have provided an explanation of each type along with the highest rates available.

The best savings account is dependent on your requirements. Do you need instant access to your money or are you happy to leave your cash untouched for a few years? Do you want online access to your account or do you want to be able to visit a physical branch?

Have you made use of this tax year's ISA allowance? If not, you may want to consider a mini cash ISA which ensures that interest you earn from up to £3000 of your savings is tax free.

As a guide, you should ask the following questions when deciding what type of account is most suitable:

Virgin Climate Change Fund The Virgin Climate Change Fund is an environmental fund with a difference. It’s an actively managed fund investing in select companies driving outstanding profit growth who are also environmental leaders in their industry. Unlike typical 'environmental' funds, our fund invests in all industries and sectors offering high-growth opportunities. You have access to fund managers only usually available to high net worth investors and large institutions with millions to invest. Managed by world class fund managers with a proven track record of high returns.

ING Direct Savings Account 2.50% AER guaranteed for 12 months from date account opened (2.47% gross p.a.). Following the 12-month period the rate will revert to the underlying variable rate (currently 0.50%AER / 0.50%gross p.a.).

Intelligent Finance iSaver If you are looking for a great online savings rate with access to your money 24 hours a day then our new isaver could be the product for you. It is an easy access, online savings product offering one of the best variable rates around, a sensational 2.49% AER.