23, teacher- advice needed on where to put money?

xylophone

Bank of Scotland is offering 3.70% for two years and accepts transfers in.http://www.bankofscotland.co.uk/isas/cash-isas/fixed-cash-isa/
Note that you must use their ISA switching service - see link for details of how to open an ISA account and how to transfer.

Ravenshade

Once you've maxed your ISA, try a credit union ^_^;

(Yes I'm currently fighting their corner). Credit Unions oft provide better interest rates and also help the local community. Depending on the credit union of course, but the majority have that aim.

atush

I agree with using a discount broker for funds or shares.

For the investment trust savings plan you go direct to the trust you have chosen and open one (many have ISAs available). Go to trustnet to look at different trusts as well as motley fool website, thisismoney, and other financial websites.

Gordon_the_Moron

http://www.natwest.com/personal/savings/g2/isas/fixed-rate.ashx#tabs=section2

3.9% for 2 years or 4.2% for 3 years unless you are transferring from a Natwest or RBS ISA.