Can anyone advise me on savings accounts and a cash isa?

[JacknDiane]

We are with nationwide, have a few different savings account and a cash isa. The higher interest accounts and the cash isa are outwith the 12 months higher interest and i slam in the process of changing to better interest paying accounts.
I like to have a joint account for the bills, a cash isa and a couple of smaller low interest accounts...

Has anyone set up anything similar

MoneySavingExpert is the best bet for current accounts. There are a few with switch incentives.

Moneyfacts is pretty comprehensive for savings interest rates. You need to filter for ISAs that accept transfers as not all of them do. Check rates at your local building society too, if you have one.

Thanks. I looked on monrysavingexpert but because I want a few different things im not sure who to go with. Usually I stick with one provider and I just wondered who would be best.

I want a cash isa
A main account for bills in both names
Two accounts with cash for emergencies I can access quickly but pays decent interest

You're unlikely to get the best interest rate if you stick with one provider. It's rare that one will be best for all of current accounts, instant access and ISAs and it's generally not necessary as you can transfer money instantly between them all and opening accounts online is quick and easy.

If you're prepared to switch regularly, you can also significantly top up the 'income' you receive from banking by moving your current account regularly for the introductory bonus, but you'd have to balance that against not receiving the £100? annual loyalty bonus from Nationwide.

What's 'best' is also dependent on how much money you generally keep in your current account, how much your bills are and whether you do your spending on credit or debit card as there's various accounts that do cash back on spending and also savings accounts that pay a higher interest rate for a limited amount of money.

Thanks,I have a lot to think about