There is a stark difference in what you earn on fixed-rate deals with traditional banks, compared with newcomer banks.
You can earn 2% before tax (1.6% after tax) online with Charter Savings Bank, nearly double the 0.84% (1.05%) available from Halifax.
On the high street the top deals come from Leeds Building Society at 1.6% (1.28%) or Post Office at 1.65% (1.32%).
Savers aged 65 or over can earn 2.8% (2.24%) on a maximum £10,000 from National Savings & Investments, on sale until 15 May. If you are willing to tie your money up for three years, the rate is 4% (3.2%) on a similar deal.
Over two years, Charter pays 2.2% (1.76%) and Shawbrook Bank pays 2.1% (1.68%). The best deal on the high street is 1.95% (1.56%) from Post Office.
On easy-access accounts, the top rate at 1.41% before tax (1.13% after tax) comes from Virgin Money Defined Access account, but you are limited to making three withdrawals a year.
You can earn 1.25% (1%) with no withdrawals restrictions from Kent Reliance, Skipton Building Society, Charter Savings Bank and State Bank of India. Virgin Money pays a slightly lower 1.21% (0.97%) with no withdrawal restrictions.
On tax-free cash Isas, West Bromwich BS Websaver Limited Access Isa pays 1.55% - but you are limited to making three withdrawals a year.
Other top deals include National Savings & Investment Direct Isa at 1.5%, available over the phone or internet. But you cannot transfer your existing cash Isas into this account.
With Virgin Money you earn 1.41% but you are restricted to three withdrawals a year on its Defined Access account. It's available in branch and over the internet.
On fixed-rate cash Isas, Shawbrook Bank and Aldermore Bank pay a top 1.65%, followed by Virgin Money at 1.6% for one year. For two years Shawbrook, Aldermore Bank and Kent Reliance pay 1.85%.
This article was written for our sister website Money Observer