Want to get yourself the best savings rate available at the moment?

Despite the fact that the global recession should have taught us all a thing or two about financial responsibility, the fact of the matter is that there are a huge amount of people out there who simply don't put in the effort to shop around to ensure that they get the best deals possible for their savings.

We understand that all the facts and figures can be off-putting for some, especially people who don't really have a head for numbers, or who have little experience of the financial business, but that's really no excuse for not doing your research or seeking out the advice of others.

With so many different bank accounts to choose from these days, you really should be looking for the ones with not only the best savings rate, but also the kind of terms and conditions that suit your personal circumstances.

There are plenty of different websites out there that can offer you some brilliant advice, including moneysupermarket.com and moneyexperts.com and we thoroughly recommend that you check them out as soon as possible so that you don't lose out on any more potential interest payments for your savings.

However, in order to give you an idea of what you're looking for, we have taken a look at a couple of the most popular savings accounts in the United Kingdom right now.

The first is the Santander eSaver Issue 4 account which pays savers an impressive 3.10% AER as well as a 2.60% bonus for the first twelve months. You can open this savings account with an investment of just £1, and you can also make unlimited withdrawals without paying financial penalties.

The second account we have decided to look at is the Post Office Online Saver (Issue 4) account. Just like the Santander option, it can be opened for as little as £1, but the interest rate is slightly lower; it pays 3.01% AER with 1.36% of a bonus for the first 12 months. Again, it features unlimited withdrawals to cover you if anything unexpected crops up.

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