Top instant access savings accounts

Looking for the best instant access saving rates? Here's a list of  the best out there at the moment.

Santander eSaver Issue 5

• 3.20% AER
• 2.70% bonus 1st 12 months
• £1 minimum investment
• Access - online, telephone

BM Savings Online Extra Issue 1

• fixed bonus for 1st 12 months
• 2.60% AER for balances £1,000 - £19,999
• 3.00% AER for balances £20,000 - £49,999
• 3.20% AER for balances £50,000+
• £50,000 min investment, £1,000,000 max. investment
• Access - online

Post Office Online Saver Issue 5

• 3.17% APR
• 1.52% bonus 1st 12 months
• £1 min investment
• Access - online

ING Direct Savings Account

• 3.15% APR
• 2.61% bonus 1st 12 months
• £1 min. investment
• Access - online, telephone

Nationwide BS MySave Online Plus

• 3.06% APR
• 1.52% bonus 1st 12 months
• £1,000 min. investment
• Access - online

Derbyshire BS NetSaver Issue 3

• 3.06% APR
• 2.06% bonus until 30/6/13
• £1,000 min. investment
• Access - online

Allied Irish Bank (GB) Savings Direct Easy Access Reward Account

• 3.00% APR
• 1.50% bonus fixed for 5 years
• £1 min investment
• 4 penalty free withdrawals per year
• Access - telephone, post

Tesco Bank Internet Saver

• 2.80% APR
• 1.55% 1st 12 months
• £1 min. investment
• Access - online

Lloyds TSB eSavings

• 2.5% APR
• 1.50% bonus 1st 12 months
• £10,000 min. investment
• Access - online, telephone

Lloyds TSB Easy Saver

• 1.60% APR
• 1.50% bonus 1st 12 months
• £1 min. investment
• Access - online, telephone, branch, Cash point