Leaving your money languishing in an account paying next-to-nothing means you’re missing out on valuable interest.

Here, we list the top-paying, open-to-all accounts on the market:

Easy access accounts

0.50% Yorkshire Building Society Annual Access Account Issue 7 – minimum deposit £100. Apply in branch or by post. Access in branch, by post and online. The Annual Access Account allows withdrawals from your account, without losing any interest, on any one day per year based on the anniversary of account opening.

0.4% Marcus Online Savings Account – minimum deposit £1. Apply and access online.

0.4% Charter Savings Bank Easy Access – Issue 19 – minimum deposit £5,000. Apply and access online or by post.

0.4% RCI Bank Freedom Savings Account – minimum deposit £100. Apply and access online only.

0.4% Hampshire Trust Bank Online Easy Access Account (Issue 3) – minimum deposit £1,000. Apply and access online.

Notice accounts

0.65% Moneycorp Bank 90 Day Notice Account (Issue 1) – minimum deposit £10,000; apply and access online. Withdrawals subject to 90 days’ notice only; no earlier access is allowed. Interest is paid monthly.

In order to open this account, you are required to open an International Payments Account. This is used to fund the account and transfer monies. Deposits held with Moneycorp Bank are covered up to the value of €100,000 by the Gibraltar Deposit Guarantee Scheme (GDGS), which is the equivalent of the UK Financial Services Compensation Scheme (FSCS).

0.60% Moneybox (provided by Investec) 95 Day Notice Savings Account – minimum deposit £1; apply and access via the moneybox app. Withdrawals are subject to 95 days’ notice only; no earlier access allowed. Interest is calculated daily and paid into your account each month. This account is provided by Investec.

0.52% Oxbury Bank Personal 95 Day Notice Account: 0.52% Variable Rate – Issue 3 – minimum deposit £1,000. Apply online and access online or via the Oxbury Banking App. Withdrawals are subject to 95 days’ notice only; no earlier access is allowed.

0.5% BLME 90 Day Notice Account (Issue 5) – minimum deposit £10,000. Apply and access online. Withdrawals are subject to 90 days’ notice only; no earlier access is allowed. The rate is not guaranteed, in order to comply with Sharia Law the rates listed are an expected profit rate. Expected profit is paid quarterly. Expected profit must be paid to a nominated account, it cannot be added to the account.

0.48% OakNorth Bank 120 Days Notice Deposit Account – minimum deposit £1. Apply and access online. Withdrawals are subject to 120 days’ notice only; no earlier access is allowed.

One-year fixed term bonds

0.65% Raisin UK – provided by Ahli United Bank – minimum deposit £1,000. Apply online. No access within the term. The rate is not guaranteed, in order to comply with Sharia Law the rate displayed is an expected profit rate. This account is available exclusively through the Raisin UK Savings Marketplace and you may be eligible to receive a cash bonus.

0.6% Bank of London and the Middle East (BLME) 1 Year Premier Deposit Account – minimum deposit £1,000. Apply online. No access within the term. In order to comply with Sharia Law the rate listed is an expected profit rate.

0.59% Hampshire Trust Bank 1 Year Bond (Issue 42) – minimum deposit £1,000. Apply online.  No access within the term.

Two-year fixed term bonds

0.8% Bank of London and the Middle East (BLME) 2 Years Premier Deposit Account – minimum deposit £1,000. Apply online. No access within the term. In order to comply with Sharia Law the rate listed is an expected profit rate.

0.80% Raisin UK – provided by QIB (UK) PLC) 2 years Fixed Term Deposit – minimum deposit £1,000. Apply and access online. The rate is not guaranteed, in order to comply with Sharia Law the rate displayed is an expected profit rate. This account is available exclusively through the Raisin UK Savings Marketplace and you may be eligible to receive a cash bonus.

0.76% DF Capital 2 Year Fixed Rate Deposit (Issue 3) – minimum deposit £1,000. Apply online. No access within the term.

Three-year fixed term bonds

0.9% Al Rayan Bank 36 Month Fixed Term Deposit – minimum deposit £5,000. Apply online or in branch. No access within the term. The rate is not guaranteed, in order to comply with Sharia Law the rates listed are an expected profit rate. Expected profit is paid annually and on maturity.

0.9% Hodge Bank 3 Year Fixed Rate Account – minimum deposit £1,000. Apply online. No access within the term.

0.9% Cynergy Bank 3 Year Fixed Rate Bond – minimum deposit £10,000. Apply online. No access within the term. Interest must be paid to a nominated account, it cannot be added to the account.

Five-year fixed term bonds

1.3% Hodge Bank 5 Year Fixed Rate Account – minimum deposit £1,000. Apply online. No access within the term.

1.26% Charter Savings Bank 5 Year Fixed Rate Bond – minimum deposit £5,000. Apply online or by post. No access within the term.

1.25% Gatehouse Bank 5 year fixed term Green Saver – minimum deposit £1,000. Apply online. No access within the term. In order to comply with Sharia Law the rate listed is an expected profit rate.

Easy Access cash ISAs

0.45% Yorkshire Building Society Annual Access Account ISA Issue 4 – minimum deposit £100. Apply in branch and by post. Access online, by post and in branch. Withdrawals allowed without losing any interest, on any one day per year based on the anniversary of account opening. Transfers in are allowed. This is a flexible ISA. This is not a Portfolio ISA.  On the anniversary of your account opening your savings will be transferred to the latest issue of the Easy ISA.

0.4% Paragon Triple Access Cash ISA – Issue 3 – minimum deposit £1. Apply and access online. Transfers in are allowed. This is a flexible ISA. This is a portfolio ISA. If more than 3 withdrawals are made in a 12 month period, the rate payable will drop to 0.25% from the date of the 4th withdrawal, with the 12 month period resetting on the anniversary of the account opening date.

0.4% Charter Savings Bank Easy Access Cash ISA – Issue 20 – minimum deposit £5,000. Apply and access online.  Transfers in are allowed. This is not a flexible ISA. This is a portfolio ISA.

0.4% Yorkshire Building Society Six Access e-Saver ISA Issue 5 – minimum deposit £10,000. Apply and access online. Transfers in are allowed. Allows withdrawals on 6 days per year plus closure. This is a tiered account £1 to £999 – 0.15% AER, £1k to £9,999 – 0.25% AER, £10k to £49,000 – 0.40%, £50k + – 0.45% AER.  This is a flexible ISA. This is not a Portfolio ISA.

0.4% Leeds Building Society Defined Access Cash ISA – minimum deposit £5,000. Apply and access in branch or by post. A maximum of four penalty-free easy access withdrawals are allowed per calendar year. Should you need further access to your funds, additional withdrawals can be made – each subject to 30 days’ loss of interest (including closure of the account). Transfers in from previous ISAs are accepted. This is not a flexible ISA. This is not a Portfolio ISA.

One-year fixed term cash ISAs

0.45% Paragon 1 Year Fixed Rate Cash ISA – minimum deposit £500. Withdrawals are allowed, subject to 90 days’ loss of interest. Transfers in are allowed. This is a portfolio ISA. This is a flexible ISA. On maturity, the account is transferred to the Easy Access cash ISA available at the time. Interest is paid on maturity or monthly.

0.45% Yorkshire Building Society Fixed Rate Cash ISA until 30 April 2022 – minimum deposit £100. Apply in branch or via post. Access on closure only, subject to 60 days’ loss of interest. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA. The maturity date is 30/04/2022.

0.45% The Tipton & Coseley Building Society Fixed Rate ISA to 31.07.22 – minimum deposit £1,000. Apply in branch or via post. All withdrawals are subject to a charge of 90 days interest on the amount withdrawn. The maturity date is 31/07/2022. Transfers in are not allowed. This is not a flexible ISA. This is not a portfolio ISA.

Two-year fixed term cash ISAs

0.6% Hampshire Trust Bank 2 Year ISA Bond (Issue 24) – minimum deposit £1. Apply online. Access via full transfer to another ISA provider only, subject to 180 days’ loss of interest. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA.

0.6% Tipton & Coseley Building Society Fixed Rate ISA to 30.06.23. – minimum deposit £1,000. Apply in branch or via post. All withdrawals are subject to a charge of 180 days interest on the amount withdrawn. The maturity date is 30/06/2023. Transfers in are not allowed. This is not a flexible ISA. This is not a portfolio ISA.

0.56% Charter Savings Bank 2 Year Fixed Rate Cash ISA – minimum deposit £5,000. Apply and access online. Withdrawals are allowed, subject to 180 days’ loss of interest. Transfers in are allowed. This is not a flexible ISA. This is a portfolio ISA.

Three-year fixed term cash ISAs

0.65% Ford Money Fixed Cash ISA 3 Year – minimum deposit £500. Apply online or by telephone and access online. Withdrawals are allowed, subject to 270 days’ loss of interest. Transfers in are allowed. This is a flexible ISA. This is a portfolio ISA – so you can open more than one type of cash ISA with the provider (e.g. fixed and variable) in the same tax year. Interest is paid annually or monthly.

0.65% West Brom Building Society 3 Year Fixed Rate ISA – minimum deposit £1,000. Apply and access in branch or via post. Withdrawals are allowed, subject to 120 days’ notice or loss of interest. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA. The maturity date is 05/04/2024. On maturity, the account is transferred to a Fixed Rate ISA of a similar or shorter term. Interest is paid annually.

0.65% Leeds Building Society 3 Year Fixed Rate Cash ISA (Issue 103) – minimum deposit £1,00. Apply by post, in branch or online. Withdrawals are allowed, subject to 240 days’ loss of interest. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA. The maturity date is 30/04/2024.

Five-year fixed term cash ISAs

1.10% Shawbrook Bank 5 Year Fixed Rate Cash ISA Bond Issue 25 – minimum deposit £1,000. Apply online. Withdrawals are allowed, subject to 360 days’ loss of interest. On maturity, the account is transferred to the Cash ISA Matured Funds account. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA.

1% Gatehouse Bank 5 Year Fixed Term Cash ISA – minimum deposit £1,000. Apply online. Withdrawals within the term will be subject to a reduction in profit of 365 days. The rate is not guaranteed, in order to comply with Sharia Law the rates listed are an expected profit rate. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA.

1% Skipton Building Society 5 Year Fixed Rate Cash ISA Issue 150 – minimum deposit £500. Apply by post, in branch or online. Access on closure only, subject to 365 days’ loss of interest. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA. Interest is paid annually or monthly.

Things ‘going from bad to worse’

Anna Bowes, co-founder of SavingsChampion.co.uk, said: “Well, as hard as it may be to believe, things have actually gone from bad to worse over the last month and while there were a couple of bright spots in the interim, best buy rates overall have fallen.

“The ISA season was, as expected, a damp squib, although the beginning of the new tax year has brought a couple of new cash ISAs to the Best Buy tables. That said, if you want to earn more than 0.50% AER you need to tie up your ISA cash for at least two years.

“Even UBL UK has dropped down the rankings, falling from the top spot it has dominated since before the beginning of the year in the five-year Fixed Rate ISA table – leaving the best five year fixed rate ISA paying just 1.10% AER – from Shawbrook Bank.”

All rates correct as of 06/04/21.

The Raisin UK savings marketplace features attractive savings products from a range of partner banks. Click here to learn more