Is there an ISA worth having right now?

[Matt..]

My Natwest ISA which has been brilliant for many years is all of a sudden rubbish. They've slashed the rates down to 0.5%. Therefore i'm contemplating moving it, but wondered whether there was really much point. It's not a huge amount (low 5 figures), and is primarily my backup fund (eg. if i lose my job, need a car, or house work, etc...). It seems the reality now is ISAs barely bring anything, maybe 1% if i'm lucky, and at that there's little point putting up with the hassle of moving the money, and the complication of it being away from my current account.

Maybe it's worth leaving it where it is, and starting a stocks and shares ISA that can take a few hundred pounds a month?

Seems even worse right now for savers!

[Matt..]

davepoth said:

This year I piled into stocks and shares though, I've seen about 4% since October.

Who do you use for it? and is it worth having if only putting ~£100/month in?

[Matt..]

Can anyone give any more advice on where to look with a stocks and shares isa for low value ISA accounts?