I need to issue an urgent warning about easy-access accounts that are dominating the best-buy tables – they may not be as good as they first appear. Post Office Online Saver, at 4.13 pc, is boosted by a hefty 3.13 pc bonus for a year. Tesco’s Internet Saver pays 4.2 pc, which includes a 3.15 pc bonus. I have also spotted a rise in the number of accounts that masquerade as easy-access accounts but only let you take money out a few times a year. I don’t include bonus accounts or those with restricted withdrawals in the star buys table.