Easy-access savings accounts allow you to access your money whenever you need it, without having to give advance notice to your savings provider.
They are the most flexible type of savings account, letting you pay into them at any time.
But you must remember to check an account's terms and conditions in case there are any withdrawal restrictions to ensure it suits your financial and lifestyle needs.
For example, don't opt for a high-paying deal which penalises for numerous withdrawals if you feel you will be regularly accessing your cash.
Here are the current top-paying easy-access accounts that do not include an introductory bonus.
Coventry BS Online Saver (5)
Penny says… "Heading up the no-notice market is this deal from Coventry BS offering a top rate of 1.60% on a minimum investment of only £1.
"Savers must remember that, although no notice is needed to access funds, only four penalty-free withdrawals are permitted per year."
West Brom BS Branch Easy Access Saver Issue 3
Penny says… "In joint first is this account from West Brom that will also appeal to internet-savvy savers.
"Investors must take note that this product only permits two penalty-free withdrawals per year; any above this will incur a 60 days' loss of interest penalty."
Earl Shilton BS Heritage
Penny says… "Paying another top three rate is this account from Earl Shilton BS.
"Investors must take note that this product only permits four penalty-free withdrawals per year; any above this will and the rate will revert to 0.10%."
Sainsbury's Bank eSaver Special
Penny says… "Sainsbury's Bank's eSaver is ideal for internet-savvy investors with at least £1,000 to invest.
"As an added bonus, this flexible account allows unlimited penalty-free access to funds."
1.50% - 1.60% AER
Penny says… "Rounding up the top 5 is Leeds BS's Advance Saver account that pays varying levels of interest depending on the amount invested.
"Savers with large amounts to invest will benefit most from this account that pays 1.60% on amounts above £50,000."
Information & Rates correct as at: 01.11.2013
Disclaimer: Information is correct as of the date of publication (shown at the top of this article). Any products featured may be withdrawn by their provider or changed at any time.