If you've got money to save, whether it's just a few hundred pounds or thousands you've accumulated over the years, one place you may want to store it in is a cash ISA. These are tax-free savings accounts that let you earn as you save, to the tune of £20,000 for the current tax year (2018-19). All banks and building societies offer them, and in most cases, they're ideal for short-term savings. This is because you can dip in and out at any point, providing you go for the instant access option. They're also largely risk free, unlike stocks and shares ISAs. This means that while you may not earn much in interest, there's no chance of your money actually doing down in value, as can happen with investment plans. Best cash ISA accounts We've teamed up with comparison website MoneySupermarket to round up the best ISA accounts right now. If you want to pay in as you earn, make sure you set up a direct debit on payday to ensure you don't dip into it. Easy access ISAs Paragon Bank Easy Access Cash ISA (Issue 3), 1.25%: Minimum initial payment of £1 required, online only. Post Office Online ISA - Easy Access Issue 13: 1.22%: Minimum initial payment of £100 required, online only. AA ISA - Easy Access Issue 14, 1.16%: Minimum initial payment of £100 required, online only. See more top paying accounts right now, here. Best 1, 2, 3 and 5 year fixed rate ISAs 1 year: Paragon Bank, 1.45%: Minimum initial payment of £500 required. Available online only. 2 year: Post Office Money, 1.6%: Minimum initial payment of £500 required. Available online only. 3 year: Paragon Bank, 1.77%: Minimum initial payment of £500 required. Available online only. 5 year: Skipton Building Society, 2.01%: Minimum initial payment of £500 required. Available online only. See more top paying accounts right now, here. The ISA deadline The 5 April annually marks the end of the tax year, and the last chance to max out your old account. On 6 April it starts again - when your £20,000 allowance is refreshed. Over the course of any given tax year, you can open one of each type of ISA: cash, stocks and shares and innovative finance, providing you are 16 or over. You can spilt your £20,000 across them. You can't have a cash ISA and a help to buy ISA at the same time, however, as these are both essentially the same thing. How much can I save in an ISA? The ISA limit has been frozen at £20,000 for at least the next two years. Importantly, you cannot carry your ISA allowance over between tax years, so if you don’t use it you lose it. For junior ISAs, there's an annual allowance of £4,260 for the current tax year. What about my Personal Savings Allowance? ISAs are in addition to the new Personal Savings Allowance (PSA) which came into effect on April 6, 2016. If you’re a basic rate taxpayer you can now earn up to £1,000 in savings income tax-free. For higher rate taxpayers, this is £500. In short, this means you can choose a non-ISA saving