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

0.66% Cynergy Bank Online Easy Access Account (Issue 42) ‒ minimum deposit £1. Apply and access online. Rate includes a 0.36% bonus for the first 12 months.

0.62% Shawbrook Bank Easy Access Account Issue 27 – minimum deposit £1,000. Apply online. Access online, by email or telephone.

0.60% Charter Savings Bank Easy Access – Issue 23 ‒ minimum deposit £5,000. Apply and access online or by post.

0.60% Aldermore Double Access Account Issue 1 – minimum deposit £1,000.  Apply and access online.

0.60% Leeds Building Society Limited Issue Online Access Account (Issue 24) – minimum deposit £1,000.  Apply and access online.

Notice accounts

1.06% Family Building Society Capital 90 (1) – minimum deposit £20,000. Apply and access online. Withdrawals are subject to 90 days’ notice only; no earlier access is allowed.

1.06% OakNorth Bank 120 Days Notice Deposit Account – Issue 12 – minimum deposit £1. Apply online or via mobile app. Access online, mobile app, by post, email or telephone. Withdrawals are subject to 120 days’ notice only; no earlier access is allowed.

1.06% Oxbury Personal 120 Day Notice Account Issue 1 – minimum deposit £1,000. Apply online. Access online or via mobile app. Withdrawals are subject to 120 days’ notice only; no earlier access is allowed.

1.05% Close Brothers Savings 95 Day Notice Account (Issue 11) – minimum deposit £10,000. Apply online. Access online, by post or telephone. Withdrawals are subject to 95 days’ notice only; no earlier access is allowed.

1.05% Charter Savings Bank 120 Day Notice – Issue 24 – minimum deposit £5,000. Apply and access online orpost. Withdrawals are subject to 120 days’ notice only; no earlier access is allowed.

One-year fixed term bonds

1.34% SmartSave 1 Year Fixed Rate Saver – minimum deposit £10,000. Apply online. No access within the term.

1.33% Kent Reliance One year fixed rate bond Issue 87 – minimum deposit £1,000. Apply in branch, online or via post. No access within the term.

1.33% Investec Fixed Rate Saver – minimum deposit £5,000. Apply online. No access within the term.

Two-year fixed term bonds

1.58% SmartSave 2 Year Fixed Rate Saver – minimum deposit £10,000. Apply online. No access within the term.

1.57% Zenith Bank 2 Year Fixed Term Deposit – minimum deposit £1,000. Apply online. No access within the term.

1.56% Zopa 2 years Fixed Term Savings – minimum deposit £1,000. Apply online. No access within the term.

Three-year fixed term bonds

1.82% SmartSave 3 Year Fixed Rate Saver – minimum deposit £10,000. Apply online. No access within the term.

1.81% JN Bank Fixed Term Savings Account – 3 years – minimum deposit £1,000. Apply online. No access within the term.

1.80% Wesleyan Bank 3 Year Fixed Rate Deposit Account – minimum deposit £1,000. Apply online. No access within the term.

Five-year fixed term bonds

2.01% SmartSave 5 Year Fixed Rate Saver – minimum deposit £10,000. Apply online. No access within the term.

2.00% JN Bank Fixed Term Savings Account – 5 years– minimum deposit £1,000. Apply online. No access within the term.

1.90% Secure Trust Bank 5 Year Fixed Rate Bond (01.Dec.2026) ‒ minimum deposit £1,000. Apply online. No access within the term. The maturity date is 01/12/2026.

Easy access cash ISAs

0.65% Cynergy Bank Online ISA (Issue 17) – minimum deposit £1. Apply online. Access online or via mobile app. Transfers in accepted are accepted. This is not a Flexible ISA.

0.65% Paragon Triple Access ISA – Issue 5 – minimum deposit £1. Apply and access online. Transfers in are allowed. This is a flexible ISA. This is a portfolio ISA. If more than three withdrawals are made in a 12 month period, the rate payable will drop to 0.25% for the remainder of the account year.

0.60% Marcus by Goldman Sachs Cash ISA – minimum deposit £1. Apply online. Access online or by telephone. Transfers in not accepted. This is not a flexible ISA. Rate includes a 0.10% bonus for the first 12 months.

0.60% Leeds Building Society Limited Issue Online Access ISA (Issue 38) ‒ minimum deposit £1,000. Apply and access online. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA. The maturity date is 30/11/2022. On maturity, the account is transferred to the Maturity Access ISA.

0.57% Shawbrook Bank Easy Access Cash ISA Account Issue 17 ‒ minimum deposit £1,000. Apply online. Access online or by telephone. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA.

One-year fixed term cash ISAs

0.91% Paragon 1 Year Fixed Rate ISA ‒ minimum deposit £500. Apply online or by 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.

0.87% Charter Savings Bank 1 Year Fixed Rate Cash ISA – minimum deposit £5,000. Apply 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.

0.86% OakNorth Bank 12 Month Fixed Rate Cash ISA ‒ minimum deposit £1. Apply online or via mobile app. Withdrawals are allowed, subject to 90 days’ loss of interest. Transfers in are allowed. This is not a portfolio ISA. This is not a flexible ISA.

Two-year fixed term cash ISAs

1.20% Close Brothers Savings 2 Year Fixed Rate Cash ISA ‒ minimum deposit £10,000. Apply online. Access on closure only, subject to 150 days’ loss of interest. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA.

1.15% Secure Trust Bank 2 Year Fixed Rate Cash ISA (04.Dec.2023) ‒ minimum deposit £1,000.  Apply online. Access on closure only, subject to 180 days’ loss of interest. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA.

1.11% Paragon 2 Year Fixed Rate ISA – minimum deposit £500. Apply online or by 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.

Three-year fixed term cash ISAs

1.31% United Bank UK 3 Year Fixed Rate Cash ISA ‒ minimum deposit £2,000. Apply online, in branch, by post or via mobile app. Access on closure or full transfer out only, subject to 270 days’ loss of interest. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA.

1.25% Secure Trust Bank 3 Year Fixed Rate Cash ISA (02.Dec.2024) – minimum deposit £1,000. Apply online. Access on closure only, subject to 270 days’ loss of interest. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA.

1.25% Close Brothers Savings 3 year Fixed Rate Cash ISA ‒ minimum deposit £10,000. Apply online. Access on closure only, subject to 270 days’ loss of interest. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA.

Five-year fixed term cash ISAs

1.61% United Bank UK 5 Year Fixed Rate Cash ISA ‒ minimum deposit £2,000. Apply online, in branch, by post or via mobile app. Access on closure or full transfer out only, subject to 365 days’ loss of interest. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA.

1.55% Close Brothers Savings 5 year Fixed Rate Cash ISA – minimum deposit £10,000. Apply 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.

1.45% Secure Trust Bank 5 Year Fixed Rate Cash ISA (01.Dec.2026) – minimum deposit £1,000. Apply 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.

Reductions in the best rates available

Anna Bowes, co-founder of Savings Champion, said: “Bearing in mind there is far more talk of a base rate rise around the corner, it’s disappointing that some of the competition has waned and we’ve seen a number of reduction in the best rates available. Only the longer term bonds have held their own – but not many people would want to tie their cash up for long if there is the change of a base rate rise or two coming. That said, often this expectation will have been priced into the rates on offer – we’ll only know with the benefit of hindsight whether these longer terms bond are currently offering good value.

“Cash ISAs have seen the best uplift, with even the best easy access ISA over 8% higher than last month and as a result virtually matching the top non ISA easy access rate.

“With regard to the fixed term ISAs, again we’ve seen a rise and across all terms, however rates still lag behind the non ISA equivalent accounts, so if you are not fully using your Personal Savings Allowance, a non ISA is likely to still offer a better return.”

All rates correct as of 01/11/21.