Tesco Bank has raised the rate on its Online Saver to 1.27% before tax (1.02% after tax) for new savers. The rate includes a bonus payable for the first year after which it drops to 0.75% (0.6%).
French-owned RCI Bank pays a higher 1.45% (1.16%) with no bonus, while Shawbrook Bank pays 1.25% (1%). Both accounts are only available online.
At Virgin Money the rate is 1.26% (1.01%) on its Defined Access Saver, available online, through the post or in its branches. But you are limited to making three withdrawals a year on it.
On fixed rate bonds Charter Savings Bank pays a top one-year rate at 1.66% (1.33%), available online. At French-owned RCI Bank the rate is a whisker less at 1.65% (1.32%).
Other top rates
The top rate on the high street is 1.25% (1%) from Leeds Building Society while Tesco pays 1.4% (1.12%) and United Trust 1.5% (1.2%) on telephone or postal accounts.
If you are willing to tie your money up for 18 months, Charter Savings Bank pays 1.7% (1.36%) while for two years you can earn 1.9% (1.52%) from RCI Bank, 1.85% (1.48%) at United Trust Bank or 1.8% (1.44%) with Tesco Bank.
The top fixed-rate cash Isas include Leeds Building Society at 1.25% tax-free for one year while Shawbrook Bank, Kent Reliance and Aldermore Bank all pay 1.2%. For two years the best deal is 1.4% from Shawbrook Bank, Leeds Building Society and Virgin Money.
On easy-access cash Isas Virgin Defined Access Isa pays 1.26% but you are limited to making three withdrawals a year.
Coventry Building Society's Easy Access Isa 3 pays 1.3% but you can't transfer your existing cash Isas into this account.
This article was originally written for our sister publication, Money Observer.