The following banks received top ratings: smile, first direct, intelligent finance, nationwide and the co- operative bank. See privacy policy best selling savings accounts you can apply for now. The information and rates shown on this page are indicative. But banks are not just offering us a poor deal, many are also providing a disappointing service. Insolvency rights. Not all of the online banks allow you to do this.

Many banks still only offer 0. 10. Royal bank of scotland ipca account: 0. 1. I have been internet banking with a & l for around 21 month. Cons: you have to log on to the bank's internet site three times in three months to qualify for top rate of interest. What is the best bank account to have on a round- the- world trip?

The worst were: bank of scotland, barclays, clydesdale bank, lloydstsb, natwest, woolwich and yorkshire bank. They offer a rate of interest on current account balances which is over 30 times more interest than some other banks pay. Note: the rates shown are inclusive of all taxes. Another reason people don't switch is a presumption that one bank is as bad as the next. Average briton has £7, 548 in savings, says bank.

Saver account pays bank of england base rate, currently 4. 50%. Guarantees the annual rate will at least match bank of england base rate until 31 january 2010 9 for those aged 60 and over only. We give you access to information on some of the uk's best savings accounts.

Tips : reclaim bank charges. The only downside to the service is that unlike other banks, you cannot enter your card number and a password to access the online banking site. N/a northern bank ni northern personal access s/os and d/ds 1. 00.