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."
Investec E-asy Access Account
Penny says… "Sitting comfortably in second place is the E-asy Access Account from Investec, offering an impressive rate of 1.55%.
"Withdrawals and additional deposits are allowed as long as the account remains open, however the minimum initial investment of £25,000 might make it less appealing to some."
Virgin Easy Access Saver Issue 8
Penny says… "Paying a top three rate is this account from Virgin Money, offering 1.5% AER on a minimum initial deposit of just £1.
"This flexible account allows additions and withdrawals with no notice needed to access funds."
ICIC Bank HiSAVE Remittance Account
Penny says… "In fourth spot is the HiSAVE Remittance Account from ICICI Bank UK, offering 1.50% on a minimum initial investment of £1.
"Savers can access their funds at any time and can make additional deposits, with no maximum investment limit being in place."
Penny says… "State Bank of India secures a top five spot with its Online Instant Access account, offering 1.50% AER for those with a minimum of £500 to invest.
"Savers can benefit from added flexibility with both withdrawals and additional deposits permitted, however savers should note that no interest will be paid on balances below £500."
Information & Rates correct as at: 03.01.2014
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 Any products featured may be withdrawn by their provider or changed at any time.