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

0.45%  Kent Reliance Easy Access Account Issue 45 ‒ minimum deposit £1,000. Apply in branch, by post or online. Access in branch, by post, by telephone or online.

0.45% Yorkshire Building Society Annual Access Account Issue 8 ‒ minimum deposit £100. Apply in branch or by post. Access in branch, by post and online. The Annual Access Account account allows withdrawals from your account, without losing any interest, on any one day per year based on the anniversary of account opening.   

0.41% Paragon Limited Edition Easy Access Account Issue 8 ‒ minimum deposit £1. Apply and access online.

0.40% Marcus Online Savings Account ‒ minimum deposit £1. Apply and access online.

0.40% Charter Savings Bank Easy Access Issue 19 ‒ minimum deposit £5,000. Apply and access online or by post.

Notice accounts

0.65% Moneycorp Bank 90 day notice account issue 1 ‒ minimum deposit £10,000. Apply and access online. Withdrawals are 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).

0.52% Oxbury Bank Personal 95 Day Notice Account: 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.

0.51% Charter Savings Bank 95 Day Notice Issue 36 ‒ minimum deposit £5,000. Apply and access online or by post. Withdrawals are subject to 95 days’ notice only; no earlier access is allowed.

0.50% Bank of London and the Middle East (BLME) 90 Day Notice Account Issue 5 ‒ minimum deposit £10,000. Apply online. Access via email or online. Withdrawals are subject to 90 days’ notice only; no earlier access is allowed. In order to comply with Sharia Law the rate listed is an expected profit rate.

0.50% 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 is allowed. Interest is calculated daily and paid into your account each month. This account is provided by Investec.

One-year fixed term bonds

0.70% Atom Bank One Year Fixed Saver ‒ minimum deposit £50. Apply via mobile app. No access within the term.

0.63% Shawbrook Bank One Year Fixed Rate Bond Issue 68 ‒ minimum deposit £1,000. Apply online. No access within the term.

0.61% Raisin UK One Year Fixed Rate Deposit  (provided by Charter Savings Bank) ‒ minimum deposit £1,000. Apply online. No access within the term.

Two-year fixed term bonds

0.80% BLME 2 Years Premier Deposit Account ‒ 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.

0.80% United Trust Bank 2 Year Bond ‒ minimum deposit £5,000. Apply online. No access within the term.

0.80% Raisin UK 2 years Fixed Term Deposit (provided by QIB (UK) Plc) ‒ 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.

Three-year fixed term bonds

0.96% Shawbrook Bank 3 Year Fixed Rate Bond Issue 52 ‒ minimum deposit £1,000. Apply online. Access by post, via telephone or online. No access within the term.

0.95% Gatehouse Bank 3 Year Fixed Term Green Saver ‒ 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.

0.95% Hodge Bank 3 Year Fixed Rate Account ‒ minimum deposit £1,000. Apply online. No access within the term.

Five-year fixed term bonds

1.40% 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.

1.35% Hodge Bank 5 Year Fixed Rate Account ‒ minimum deposit £1,000. Apply online. No access within the term.

1.31% Shawbrook Bank 5 Year Fixed Rate Bond Issue 34 ‒ minimum deposit £1,000. Apply online. No access within the term. 

Easy access cash ISAs

0.45% Kent Reliance Easy access cash ISA Issue 28 ‒ minimum deposit £1,000. Apply in branch, by post or online. Access in branch, by post, by telephone or online. This is not a flexible ISA. This is a portfolio ISA. Transfers in are allowed within 30 days of account opening.

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.

0.41% Paragon Limited Edition Easy Access ISA Issue 6 ‒ minimum deposit £1. Apply and access online. Transfers in are allowed. This is a flexible ISA. This is a portfolio ISA.

0.40% Marcus Cash ISA ‒ minimum deposit £1. Apply online. Access online or by telephone. Transfers in not accepted. This is not a flexible ISA.

0.40% 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 – so you can open more than one type of cash ISA with the provider (e.g. fixed and variable) in the same tax year.

One-year fixed term cash ISAs

0.47% Shawbrook Bank 1 Year Fixed Rate Cash ISA Bond Issue 46 ‒ minimum deposit £1,000. Apply online. Access via telephone, email or online. Withdrawals are allowed, subject to 90 days’ loss of interest. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA. Interest is paid on maturity or monthly.

0.47% Charter Savings Bank 1 Year Fixed Rate Cash ISA ‒ minimum deposit £5,000. Apply and access online. Withdrawals are allowed, subject to 90 days’ loss of interest. Transfers in are allowed. This is not a flexible ISA. This is a portfolio ISA. Interest is paid on maturity or monthly.

0.45% Paragon 1 Year Fixed Rate Cash ISA ‒ minimum deposit £500. Apply and access online or via post. Withdrawals are allowed, subject to 90 days’ loss of interest. Transfers in are allowed. This is a flexible ISA. This is a portfolio ISA. Interest is paid on maturity or monthly.

Two-year fixed term cash ISAs

0.60% Aldermore 2 Year Fixed Rate Cash ISA ‒ minimum deposit £1,000. Apply and access online.Withdrawals are allowed, subject to 180 days’ loss of interest. Transfers in are allowed. This is a flexible ISA. This is a portfolio ISA. Interest is paid annually.

0.58% Shawbrook Bank 2 Year Fixed Rate Cash ISA Bond Issue 46 ‒ minimum deposit £1,000. Apply online. Access via telephone, email or online. Withdrawals are subject to a charge of 180 days’ interest on the amount withdrawn. Transfers in are not allowed. This is not a flecible ISA. This is not a portfolio ISA. Interest is paid annually or monthly.

0.57% Close Brothers Savings 2 Year Fixed Rate Cash ISA ‒ minimum deposit £10,000. Apply online. Access online, via post or telephone. Withdrawals are allowed, subject to 150 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.

Three-year fixed term cash ISAs

0.71% Shawbrook Bank 3 Year Fixed Rate Cash ISA Bond Issue 26 ‒ minimum deposit £1,000. Apply online. Access via telephone, email or online. Withdrawals are subject to a charge of 270 days’ interest on the amount withdrawn. Transfers in are not allowed. This is not a flexible ISA. This is not a portfolio ISA. Interest is paid annually or monthly.

0.70% Aldermore 3 Year Fixed Rate Cash ISA ‒ minimum deposit £1,000. Apply and access online.Withdrawals are allowed, subject to 180 days’ loss of interest. Transfers in are allowed. This is a flexible ISA. This is a portfolio ISA. Interest is paid annually.

0.70%  Close Brothers Savings 3 year Fixed Rate Cash ISA ‒ minimum deposit £10,000. Apply online. Access online, via post or telephone. Withdrawals are allowed, subject to 270 days’ loss of interest. Transfers in are allowed. This is not a flexbile ISA. This is not a portfolio ISA. Interest is paid annually or monthly.

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. Access via telephone, email or online. Withdrawals are subject to a charge of 360 days’ interest on the amount withdrawn. Transfers in are not allowed. This is not a flexible ISA. This is not a portfolio ISA. Interest is paid annually or monthly.

1.05% United Trust Bank Cash ISA 5 Year Bond ‒ minimum deposit £15,000. Apply by post. Access by post or online. Withdrawals are allowed, subject to a penalty that is based on the following calculation; amount of the withdrawal, multiplied by the number of days left until maturity, multiplied by the interest rate, divided by 365. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA. Interest is paid annually.

1% Skipton Building Society 5 Year Fixed Rate Cash ISA Issue 152 ‒ minimum deposit £500. Apply online, by branch, by telephone or via post. Access online, via post, branch or telephone. 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.

Seeing some improvements

Anna Bowes, co-founder of SavingsChampion.co.uk, said: “At long last, we’ve seen some improvements in the savings market – in particular fixed term bonds. With so little good news recently it is very exciting to see a little bit of a battle between the savings providers – which has seen best buy rates increasing . What seems to have happened is that a number of providers are looking to raise money at the same time which is good news for savers.

“It means that the best one-year bond is now paying 0.70% AER – for the first time in three months – and over two years, there are several providers paying 0.80% AER, again the best rate since early February. The picture is similar over the longer term too which is good for those who want to lock away some of their money with a higher rate, in the hope of keeping their cash in line with or ahead of inflation going forward. Only time will tell of course, if that is possible.

“There is always the concern that if you lock into a fixed rate bond today, you might be missing out on better rates tomorrow. And that is a risk you may have to take. If you are always waiting to see if something better might come along, while leaving your cash to languish in a poorer paying account in the meantime, then you will always be missing out on earning that little bit more. And you might just miss out on these better rates entirely, as we never know when the competition will end. It can cease as quickly as it started.

“One option, to try and hedge your bets, is to split your cash – putting some into a longer term, higher paying account now and keep some aside is an accessible but best paying account to take advantage of the opportunity of higher rates if they come along.”

All rates correct as of 04/05/21.

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