Rate alert: the best savings accounts "Although this version of the Easy Access Saver is paying 0.25pc less than its predecessor, it's still an excellent no-frills deal which is available by post, phone, online or in branch," said Andrew Hagger, spokesman at Moneynet.co.uk. The account is one of only a handful of instant access savings deals that offers a decent return without relying on a short-term introductory bonus to boost the rate. Available to open with just £1, this Isa is only available for those who hold or move their main current account to the Nationwide FlexAccount and deposit a minimum of £750 each month. Withdrawals are available without restriction or penalty, however this account does not permit transfers in from existing accounts. "The market-leading rate of 4.25pc was head and shoulders above the competition," said Susan Hannums, spokesman at SavingsChampion.co.uk. However, having to hold or move your main current account to Nationwide is a big ask, so the Flexclusive Isa could swiftly lose its appeal, especially after the rate has dropped to levels you can achieve elsewhere without this strict condition. Coventry Building Society has launched a new issue of its best-buy easy access account, Online Saver issue 3. The account pays 3.15pc, which includes a 1.15pc bonus for the first 12 months. This internet-only based account is restricted to four penalty-free withdrawals per year with further withdrawals subject to 50 days loss of interest on the amount withdrawn. With this account, the rate of 3.15pc and all the other terms and conditions have remained the same so does not offer savers anything that has not already been available. However, it is a competitive account for those looking for limited access to their savings, should you need it.