Rates on easy-access accounts continue to fall, with Tesco Bank cutting the rate on its Internet Saver to 1.2% before tax (0.96% after tax), while West Bromwich Building Society has closed its WebSaver at 1.35% (1.08%) to new savers.
The rate at Tesco Bank includes a bonus of 0.45 (0.36%) percentage points for the first year you are in the account.
The top easy-access accounts with no withdrawal restrictions come from Virgin Money, Newcastle Building Society, Yorkshire Building Society, Leeds Building Society and Kent Reliance - all pay 1.25% (1%).
AA Savings and Post Office pay a slightly higher 1.3% (1.04%) on their internet-based accounts, but the rate includes a bonus payable for the first year. You can earn more if you are willing to limit the number of withdrawals from your account each year.
For example, Britannia Select Saver 5 pays 1.5% (1.2%) as long as you only make four withdrawals a year. You can earn 1.4% (1.12%) with Yorkshire Building Society Triple Saver but you can only take money out on three days a year.
On fixed rate deals FirstSave pays a top 1.9% (1.52%) fixed for one year while State Bank of India pays 2.1% (1.68%) for two years.
On tax-free cash Isas, the top easy-access deal comes from National Counties Online Cash Isa and Metro Bank Variable Cash Isa, both at 1.65%. There is no bonus on these accounts and you can transfer your existing cash Isas as well.
Santander Direct Isa 6 pays 1.6% for the first year you are in the account.
On fixed rate deals you can earn 2% fixed for 18 months with Halifax, or 2.05% with Halifax and Nationwide for two years.
The best one-year deal, at 1.76%, comes from National Counties Building Society. Coventry BS is offering 2.75% fixed until November 2017.
This article was written for our sister website Money Observer