Easy-access rates are edging up for those willing to run their accounts online. Leeds Building Society new Online Saver issue 2 pays 1.05% before tax while RCI Bank Freedom Account pays 1.1%.
Other top deals include Virgin Money Defined Access E-Saver at 1.01%, although on this account you are limited to making a maximum of three withdrawals a year. AA Savings, where the deposit taker is Bank of Ireland, has launched an account for its members at 0.86%.
The best deal on the high street comes from Coventry Building Society's Easy Access Saver 4 at 0.85%.
On fixed-rate taxable deals Atom Bank pays 1.5% and Charter Savings Bank 1.38%. With Leeds Building Society 15-month Access Bond you earn 1.2% fixed until 2 May next year and have access to half your money during the term without paying a penalty.
On tax-free cash Isas Virgin Money pays 1.01% on its Defined Access Isa. It is available online, through its branches and by post and accepts transfers from other providers. You are limited to making three withdrawals a year. If you make any more your rate falls to 0.5%.
National Savings & Investments Direct Isa pays 1% with no withdrawal restrictions, but you cannot transfer your existing cash Isas to this account.
The top deal with no withdrawal restrictions which accepts transfers comes from Sainsbury's Bank at 0.85%.
On fixed-rate cash Isas you can earn 1.05% fixed for one year with Virgin Money. For two years, the best deal comes from Aldermore Bank at 1.2%.
This story was originally written for our sister magazine, Money Observer.