Hidden catches on 最高の，を越す accounts leave many savers wishing they had 選ぶd a straightforward 平易な-接近 取引，協定

Sainsbury’s Bank Defined 接近 Saver, which also 支払う／賃金s 1.3 per cent, 許すs savers three 撤退s a year. You can make more, but your 率 will 減少（する） to 0.5 per cent.?

Coventry BS 限られた／立憲的な 接近 Saver again 支払う／賃金s 1.3 per cent and 制限するs the number of 撤退s to three a year. 越える this 限界 and you’ll be 告発（する），告訴（する）／料金d a 料金 同等（の） to 50 days’ 利益／興味.

Coventry’s 1.3 per cent 率 also 含むs a 0.3-point 特別手当 for 12 months. After this, the 率 減少（する）s to 1 per cent.

地位，任命する Office Money’s 最新の 版 of its Online Saver 問題／発行する 31 支払う／賃金s 1.33 per cent to new savers. But this 最高の，を越す 率 含むs a 1.08 百分率-point 特別手当.

After a year, the 特別手当 消えるs and you 結局最後にはーなる with a 率 of just 0.25 per cent. Some savers in older 見解／翻訳／版s of the same account already earn this pittance.

For many, the hassle of having to move your cash after 12 months just won’t be 価値（がある） it.

With the 地位，任命する Office Money account you’ll earn only 30p extra 利益／興味 on each £1,000 than if you went for a 最高の，を越す simple account.

The best 平易な 接近 貯金 accounts?

Both the RCI Bank Freedom Account and Shawbrook Bank 平易な 接近 Account at 1.3 per cent are simple 貯金 accounts with no 特別手当 and no 限界 to the number of 撤退s you can make.

The AA Member Saver, open to the 3.3 million members of the モーターing club, is also a simple account. Its 率 went up to 1.3 per cent on Monday, but only for new savers.

In the past, when RCI has raised its 率 it has given its new higher 率 to both new and 存在するing savers.

Shawbrook, on the other 手渡す, tends to bring out a new 問題／発行する of the same account and only 支払う／賃金s the higher 率 to new savers. Its 現在の 問題／発行する, number 12, 支払う／賃金s 1.3 per cent, but some savers in previous 問題／発行するs earn just 0.75 per cent.

Ford Money 柔軟な Saver 支払う／賃金s a lower 1.22 per cent, but 誓約（する）s that when it alters its 率s, the new 取引，協定 適用するs to new and 存在するing savers.

You’ll earn £1.10 いっそう少なく 利益／興味 for the year on each £1,000 than in the 最高の，を越す 1.33 per cent with 地位，任命する Office Money.

sy.morris@dailymail.co.uk

THIS IS MONEY'S FIVE OF THE BEST CURRENT ACCOUNTS

Chase Bank will 支払う／賃金 £1% cashback on spending for the first 12 months. 顧客s also get 接近 to an 平易な-接近 linked 貯金 account 支払う／賃金ing 3.8% on balances up to £250,000. The account is 完全に 解放する／自由な to 始める，決める up and is 完全に app based. Also no 告発（する），告訴（する）／料金s when using the card abroad.

全国的な's FlexDirect Account 申し込む／申し出s 5% in-credit 利益／興味 to new joiners when they switch on balances up to £1,500. This 率 only lasts for one year. The account is 料金 解放する／自由な.

Halifax Reward Account 支払う／賃金s £150 when you switch. Also earn up to an extra £75 cashback when you spend £750 each month for 3 months. There is a £3 月毎の account 料金, but that’s stopped by 支払う／賃金ing in at least £1,500 each month.

First Direct will give newcomers £175 when they switch their account. It also 申し込む／申し出s a £250 利益／興味-解放する／自由な overdraft. 顧客s must 支払う／賃金 in at least £1,000 within three months of 開始 the account.

NatWest's Select Account account 支払う／賃金s £200 when you switch. The account has no 月毎の 告発（する），告訴（する）／料金s, but to be elligible for the £200, you'll need to deposit £1,250 into the account and スピードを出す／記録につける into 動きやすい banking app within 60 days.

取引，協定s 選ぶd by This is Money's specialist reporters.

Read our 十分な best bank accounts 一連の会議、交渉／完成する-up

?