The Mail told readers it was easy to get much higher interest rates than are paid on most cash ISAs: sign up to a regular savings scheme.
Many banks offer rates of up to 5% on monthly savings plans and good schemes are offered by many local building societies. Contributions are normally between £20 and £200 per month.
Some of these schemes are excellent, and are available to children (or parents saving on their behalf), but watch out for what happens when the savings term ends – some schemes then revert to a pathetically low interest rate.