Money MOT: Coventry pulls top paying accounts Anna Bowes, of Savingschampion.co.uk said this was proof - if it was needed - that decent savings rate don't last long in the market at present. For those looking to lock their money into best buy fixed-rate bonds, or competitive Isas, it can be a frustrating task. If you don't act quickly the account may be closed and you will be offered a lower-paying alternative instead. But don't necessarily take what is on offer. Ms Bowes said that if this happens it can pay to shop around again. As she said both West Brom BS and Skipton offer instant access savings accounts that pay a better rate than the latest issue of Coventry's Online Saver. She said: "For those with larger sums on deposit West Brom pays 2.05pc - but this is only available on balances of at least £10,000." Those with less should look at the Skipton accoun,t paying 2pc for which the minimum balance is just £1,000. For fixed-rate Isas this is proof that good savings rates don't last long, said Ms Bowes. The Online Saver, in particular, does not now look attractive; both West Brom and Skipton offer more competitive instant access deals. However the Coventry's replacement Isa - paying 2.55pc - still looks competitive and pays marginally more than Nationwide BS and the Halifax who both pay 2.5pc on a similar product. Get the best of the Telegraph's money news and advice emailed to you once a week: Sign up for the money newsletter