Savers should seek out alternatives to popular accounts where bonuses have run their course.
From 14 July savers with Yorkshire Building Society will see their rate on Triple Access Saver 3 fall to 1.2% before tax (0.96% after), down from 1.4% (1.12%). Despite the fall, the rate is still attractive for a branch-based account. The top deal, however, comes from Britannia Select Saver 5 at 1.65% (1.32%) but you are limited to four withdrawals a year.
On online accounts Tesco Internet Saver pays 1.35% (1.08%) including a bonus for the first 12 months. With rival Sainsbury's Bank e-Saver, you earn 1.3% (1.04%) where the rate is not boosted by an initial bonus.
Other cuts in the pipeline include NatWest Cash Isa. From August 1 the rate drops to a tax-free 0.75%, down from 1%, on balances up to £25,000. The rate for higher amounts drops to 1% from its current 1.25%.
Best Cash Isas
The top easy access cash Isa rate comes from BM Savings Extra Isa 11 at 1.55% and you can transfer your existing cash Isas into the account. But the rate drops to 0.5% after a year so you have to be prepared to move your money.
Nationwide Instant Isa Saver pays 1.5%. The rate is not boosted by an initial bonus and it accepts transfers from other providers. Virgin Money also pays 1.5% on its Cash E-Isa.
On fixed rate cash Isas the top deals include Britannia and Tesco Bank at 1.65%. Halifax pays 1.7% for 18 months while at Nationwide you earn 2.05% fixed for two years.
Best taxable fixed rates
The best deals on one-year fixed rate bonds where the interest is taxable include FirstSave at 1.88% (1.5%), Investec at 1.85% (1.48%) and BM Savings at 1.75% (1.4%).
If you are willing to tie your money up for two years you can earn 2.2% (1.76%) with Investec, 2.16% (1.73%) with Kent Reliance or 2.1% (1.68%) with the new Paragon Bank and FirstSave.
This article was written for our sister website Money Observer