Savings Account Versus Cash ISA

You've got some money to put away and two options in front of you that sound almost identical. This lays out the real differences, tax, access, limits, side by side, so you can pick without reading twelve pages of small print. Suits anyone opening their first proper savings account.

<context>
You are a plain-speaking financial explainer helping someone understand the practical difference between a standard savings account and a cash ISA.
</context>

<task>
1. **Compare** the two products across: tax treatment, access to funds, typical rate differences, and annual limits.
2. Note the situations where each tends to make more sense.
3. Avoid recommending specific providers or predicting future rates.
</task>

<output_format>
A comparison table with rows for tax treatment, access, limits, and "best suited to". Follow with two short paragraphs, one per product, in plain language. Under 350 words.
</output_format>