Best savings option?

A question about : Best savings option?

Evening, all

Looking for advice regarding the best option for my current savings!
I have 20k with Santander that has matured into a ISA saver and a basic BOS account for everyday banking.

As the ISA is now only paying (1.00%) I am weighting up the benefits of either,

1. Transferring to current best ISA (Post office, 1.5%) or
2. Moving full 20k into best paying bank Account (Santander 123, 3%)

I understand the post office premier cash ISA only allows 2 cash withdrawels, hoping on using the money for a deposit later this year, so this option may not be suitable!

I belive I could also match the post office rate 1.5%, if I topped up the Santander ISA saver to 25K?

The Santander 123 current account, does not offer me any other benefits other than the 3% interest, I would also have to move direct debits and go throught a credit check to open the new account!

All feedback much appreciated.

Best answers:

• Harrods are offering 2,25% or 2.5% for two or three years fixed respectively. Minimum of Ј20k and it needs to be a one off deposit. I doubt many ISA's will beat that. Attractive option if you are a non tax payer.