You had to be quick to snap up the 4% regular saver and/or regular saver ISA products from Ford Money after they were withdrawn to new applicants just two days after launching.

The reason: huge demand, showing that these head-turning deals don’t last long. So for those who missed out, where can you make your money work harder?

Top-paying savings accounts

The average easy access rate stands at just 0.38% but there are better rates available for beleaguered savers.

Savers can get 5% with first direct, HSBC, M&S Bank, Nationwide and Santander – but these are either tied to a current account or you have to be an existing customer.

The next best new customer regular saver deal, according to data site Moneyfacts, is 3.50% from Saffron Building Society, but this can only be opened in branch, though existing Saffron BS customers can open the account by post.

This is followed by Kent Reliance offering 3% though again this can only be opened in branch. Santander’s open-for-all regular e-saver pays 2.50% fixed for a year.

Turning to regular saver ISAs, which are a niche product, Nottingham Building Society offers 2.25% but is restricted to those who can open the account in branch. Vernon Building Society bags second place with its 1.5% though again, it’s for locals only (those within 25 miles of Stockport).