Leaving your money languishing in a low-paying savings account or your current account means you could be missing out on valuable interest.

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

Easy access accounts

0.80% Cynergy Bank Online Easy Access Account Issue 46 – minimum deposit £1. Apply and access online. Rate includes a 0.50% bonus for the first 12 months.

0.77% Tandem Instant Access Saver – apply and access via mobile app.

0.77% Yorkshire Building Society Internet Saver Plus Issue 10 – minimum deposit £10,000. Apply and access online. A rate of 0.60% is paid on balances between £1 and £9,999, 0.77% on balances between £10,000 to £49,999 and 0.82% on balances above £50,000.

0.75% Atom Bank Instant Saver – minimum deposit £1. Apply and access via mobile app.

0.72% Shawbrook Bank Easy Access Account Issue 29 – minimum deposit £1,000. Apply online. Access online, by email or telephone.

Notice accounts

1.08% Shawbrook Bank 120 Day Notice Personal Account Issue 50 – minimum deposit £1,000. Apply online. Access online, by telephone or via email. Withdrawals are subject to 120 days’ notice only; no earlier access is allowed.

1.05% DF Capital 120 Day Notice Account Issue 1 – minimum deposit £1,000. Apply online. Access online, by email or by telephone. Withdrawals are subject to 120 days’ notice only; no earlier access is allowed.

1.02% Charter Savings Bank 95 Day Notice Issue 41 – minimum deposit £5,000. Apply and access online. Withdrawals are subject to 95 days’ notice only; no earlier access is allowed.

1% 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.

1% Paragon 120 Day Notice savings account (Issue 23) – minimum deposit £500. Apply and access online. Withdrawals are subject to 120 days’ notice only; no earlier access is allowed.

One-year fixed term bonds

1.55% Tandem One Year Fixed Saver – minimum deposit £1,000. Apply via mobile app. No access within the term.

1.48% Investec Fixed Rate Saver – minimum deposit £5,000. Apply online. No access within the term.

1.46% OakNorth Bank 12 Months Fixed Term Savings Account – minimum deposit £1. Apply online. No access within the term.

Two-year fixed term bonds

1.81% SmartSave 2 Year Fixed Rate Saver – minimum deposit £10,000. Apply online. No access within the term.

1.80% Tandem Two Year Fixed Saver – minimum deposit £1,000. Apply via mobile app. No access within the term.

1.75% Aldermore 2 Year Fixed Rate Account – minimum deposit £1,000. Apply online. No access within the term.

Three-year fixed term bonds

1.91% SmartSave 3 Year Fixed Rate Saver – minimum deposit £1,000. Apply online. No access within the term.

1.90% Tandem Three Year Fixed Saver – minimum deposit £1,000. Apply via mobile app. No access within the term.

1.90% Secure Trust Bank 3 Year Fixed Rate Bond (25 Mar 2025) – minimum deposit £1,000. Apply online. No access within the term.

Five-year fixed term bonds

2.20% Monument 5 Year Fixed Term Deposit ‒ minimum deposit £25,000. Apply via mobile app. No access within the term.

2.15% Secure Trust Bank 5 Year Fixed Rate Bond (23 Mar 2027)– minimum deposit £1,000. Apply online. No access within the term.

2.10% Raisin UK (Provided by UBL UK) 5 Year Fixed Term Deposit – minimum deposit £1,000. Apply online. No access within the term.

Easy access cash ISAs

0.77% Yorkshire Building Society Internet Saver ISA Plus Issue 10 – minimum deposit £10,000. Apply and access online. Transfers in are accepted. This is a flexible ISA. A rate of 0.60% is paid on balances between £1 and £9,999, 0.77% on balances between £10,000 to £49,999 and 0.82% on balances above £50,000.

0.66% Shawbrook Bank Easy Access Cash ISA Account Issue 20 ‒ 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.

0.65% Paragon Triple 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. 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.

0.65% Leeds Building Society Limited Issue Online Access ISA Issue 43) – 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 28/02/2023.

0.60% Cynergy Bank Online ISA Issue 18 – minimum deposit £1. Apply online. Access online or via mobile app. Transfers in accepted are accepted. This is not a Flexible ISA.

One-year fixed term cash ISAs

1.15% Paragon 1 Year Fixed Rate Cash 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 portfolio ISA. This is a flexible ISA.

1.10% OakNorth Bank 12 Month Fixed Rate Cash ISA – minimum deposit £1. Apply 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.

1.10% Aldermore 1 Year Fixed Rate Cash ISA – minimum deposit £1,000. Apply online . Withdrawals are allowed, subject to 90 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.

Two-year fixed term cash ISAs

1.45% Paragon 2 Year Fixed Rate Cash ISA – minimum deposit £500. Apply online. Withdrawals are allowed, subject to 180 days’ loss of interest. Transfers in are allowed. This is a portfolio ISA. This is a flexible ISA.

1.41% 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.

1.40% Leeds Building Society Savings 2 year Fixed Rate Cash ISA Issue 155 – minimum deposit £100. Apply online, by post or in branch. 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. The maturity date is 30/04/2024.

Three-year fixed term cash ISAs

1.50% Paragon 3 Year Fixed Rate Cash ISA ‒ minimum deposit £500. Apply online or by post. Withdrawals are allowed, subject to 270 days’ loss of interest. Transfers in are allowed. This is a portfolio ISA. This is a flexible ISA.

1.50% Chorley Building Society Fixed Rate Cash ISA fixed to 31/03/2025 ‒ minimum deposit £500. Apply online, by post or in branch. Withdrawals are subject to 120 days’ loss of interest. The maturity date is 31/03/2025. Transfers from existing Chorley Building Society accounts are not allowed.

1.50% Aldermore 3 Year Fixed Rate Cash ISA – minimum deposit £1,000. 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.

Five-year fixed term cash ISAs

1.86% United Trust Bank Cash ISA 5 Year Bond ‒ minimum deposit £15,000. Apply 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. Interest can be withdrawn annually without penalty. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA.

1.85% Secure Trust Bank 5 Year Fixed Rate Cash ISA (07/04/2027) – minimum deposit £1,000. Apply online. Early closure/transfer is subject to 365 days’ loss of interest. The maturity date is 07th April 2027. Interest is payable annually on the 31 December and on maturity.

1.85% 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.

‘Best buy rates are up across the board’

Anna Bowes, co-founder of Savings Champion, said: “At last the base rate rises seem to be taking effect with best buy rates up across the board – easy access and shorter term fixed rates bonds and ISAs improving the most.

“Cynergy Bank launched Issue 46 of its Online Easy Access account paying 0.80% last week – the highest easy access rate seen since November 2020.

“And it’s the same picture with easy access ISAs – the current top rate of 0.77% from Yorkshire Building Society is also the highest it’s been since November 2020 and in fact the rate is even higher on balances of £50,000 and above – 0.82% tax-free AER – the same as the non-ISA version of this account.

“The current market leading short-term fixed rate bonds and ISAs were last at this level almost two years ago – just as Covid-19 and the first lockdown had seen the base rate fall to its lowest ever level of 0.10%. With another base rate decision around the corner, which could well see another increase, we’ll have to wait and see what will happen next.”