For savers who want earlier access to their money, there are lots of competitive options in the easy-access tables too.

For easy-access savings accounts, the best rate available is 5% while for easy-access cash ISAs it’s 4.50%. It’s also possible to get up to 7.5% interest with a regular savings accounts.

Rates have been steadily increasing over the last year thanks to the Bank of England (BoE) pushing up the base rate. It now stands at 5.25% and is expected to rise further this year.

Here we look at all of this week’s best accounts, according to Moneyfacts.

The best savings accounts

The top spot this week is the Furness BS Triple Access Saver (Issue 1) which can be opened with £1 but only allows three withdrawals per year. In the second spot is the Shawbrook Bank Easy Access Issue 36 which pays 4.83% on a minimum of £1,000.

For savers who fix their money, the best one-year account is the SmartSave 1 Year Fixed Rate Saver paying 6.01% on a minimum of £10,000. It’s followed by the Bank of London and The Middle East Premier Deposit Account paying 6% interest on a minimum of £1,000.

There are slightly higher rates available for two-year accounts. The Recognise Bank 2 Year Fixed Rate Account – Issue 1 pays 6.10% on a minimum of £1,000 while the Close Brothers Savings 2 Year Fixed Rate Bond pays 6.05% on a minimum of £10,000.

When it comes to notice savings accounts, the highest paying is the Oxbury Bank Personal 180 Day Notice Account (Issue 15) paying 5.59% on a minimum of £1,000. The shortest-notice period comes from the RCI Bank E-Volve Savings 14 Day Notice Account which pays 4.50% and requires £1,000 to open. There is also the Dudley BS 30 Day Notice account paying 4.80% on £1,000.

The best instant-access cash ISAs

The top spot for easy-access ISAs this week is the Newcastle BS Newcastle Double Access ISA (Issue 1). It pays 4.50% interest on a minimum deposit of £1.

However, despite the account paying the highest rate of interest, there is a catch when it comes to withdrawals. The account can be opened online or in a branch, and also managed by post or phone. If more than two withdrawals are made within a year, the interest rate will drop.

The next-best are the following:

1. Shawbrook Bank Easy Access Cash ISA – Issue 25: paying 4.43% on a minimum of £1,000, this account can be opened online and managed on the phone.
2. Cynergy Bank Online ISA (Issue 40): paying 4.40% this online account can be opened with £1.
3. Office Money Online ISA – Easy Access Issue 39: also paying 4.40%, this online account can be opened with £100.

The best fixed-rate cash ISAs

The UBL UK 1 Year Fixed Rate Cash ISA pays the highest amount of 5.77% interest this week. It can be opened with £2,000 and early access is allowed but will result in a 90-day interest penalty. It’s a very flexible account when it comes to opening and operating and the only way it can be opened is on the phone.

The next-best are the following:

1. Charter Savings Bank 1 Year Fixed Rate Cash ISA: paying 5.72% on a minimum of £5,000 this online account allows early withdrawals but there is a penalty of 90 days loss of interest.
2. Hodge Bank 1 Year Fixed Rate Cash ISA: also paying 5.72%, this online account can be opened with £1,000 and early access is allowed but will result in a 90-day interest penalty.
3. Aldermore 1 Year Fixed Rate Cash ISA: paying 5.71%, this account can be opened with £1,000. Early access is allowed but will result in a 90-day interest penalty.
4. UBL UK 2 Year Fixed Rate Cash ISA: paying 5.75% this account takes the top spot for two-year fixed-rate ISAs. It can be opened with £2,000 and early access will result in a 180-day loss of interest penalty.
5. Charter Savings Bank 2 Year Fixed Rate Cash ISA: paying 5.73% this account can be opened with £5,000. Early access will result in a 180-day loss of interest penalty.

The best notice cash ISAs

The shortest notice period for a cash ISA comes from the Aldermore 30 Day Notice Cash ISA Issue 12 which pays 4.25% on a minimum of £1,000. It can only be opened and managed online.

For a slightly longer notice period, the Stafford Railway BS Cash ISA 60 Day Notice Account pays 4.50%. It can be opened online, in person, or by post with £100.