Not only have product numbers fallen but the rates last year were around a third higher than today, (one-year fixed has fallen by 32%/long-term fixed by 33%).

Since the start of 2013, the number of ISAs available has not noticeably increased despite the build-up to the biggest savings extravaganza in the calendar. At the same time, average interest rates paid on no-notice, notice and fixed rate cash ISAs have fallen across the board.

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Moneyfacts.co.uk is the UK's leading independent provider of personal finance information. For the last 20 years, Moneyfacts' information has been the key driver behind many personal finance decisions, from the Treasury to the high street.

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