Billions of pounds are languishing in accounts with no , yet top-paying accounts are currently offering between 4% and 7.5%. Savers are being urged to review their money and switch to more competitive deals.

Research from Spring, a savings app owned by Paragon Bank, estimates that Britons are missing out on in current and low-interest savings accounts. Derek Sprawling, managing director of savings at the savings app Spring, said: "The billions sat in non-interest-bearing accounts earning nothing could be generating billions of pounds of interest if transferred to savings accounts, helping to drive the economy and delivering improved financial resilience for consumers."

He added: "There are 74 million current accounts in credit in the UK earning zero interest, and these do not simply comprise small balances, with 6.6 million containing £10,000 or more.

"Inflation now stands at 3.5%, so making sure your money is working as hard as it can is imperative to retain its value."

Here is a list of the savings accounts offering the highest interest rates at the time of writing, according to Moneyfacts data.

Here are the top 10 easy-access savings accounts this week:

• Atom Bank - 4.75% AER / 4.65% gross
• Vida Savings - 4.63% AER / gross
• Snoop - 4.6% AER / 4.5% gross
• Chip - 4.56% AER / gross
• Cahoot - 4.56% AER / 4.46% gross
• Sidekick Money - 4.51% AER
• Chase - 4.5% AER / 4.41% gross
• Coventry Building Society - 4.5% AER / gross
• Harpenden Building Society - 4.5% AER / gross
• Principality Building Society - 4.5% AER.

Here are the top 10 regular savings accounts this week:

• Principality BS - 7.5% AER / 7.36% gross
• First direct - 7% AER/ gross
• The Co-operative Bank - 7% AER/gross
• Melton BS - 6.5% AER / gross
• Nationwide BS - 6.5% AER/gross
• Lloyds Bank - 6.25% AER/gross
• Vernon Building Society - 6.% AER/ gross
• West Brom Building Society - 6% AER
• Market Harborough BS - 5.8% AER
• Bank of Scotland - 5.5% AER.

Here are the top three savings accounts with a one, two and three-year fixed rate this week:

One-year fixes:

• Hampshire Trust Bank - 4.45% AER/gross
• Habib Bank Zurich - 4.4% Expected Profit Rate (EPR)
• LHV Bank - 4.4% AER/gross

Two-year fixes:

• Hampshire Trust Bank - 4.44% AER/gross
• Birmingham Bank - 4.43% AER/gross
• JN Bank - 4.42% AER/gross

Three-year fixes:

• Birmingham Bank - 4.45% AER / gross
• JN Bank - 4.45% AER/gross
• Secure Trust Bank - 4.42% AER / gross

Here are the top 10 easy access cash ISAs this week:

• Moneybox - 5.46% AER / gross
• Chip - 4.99% AER
• Plum - 4.85% AER
• Trading 212 - 4.81% AER
• Tembo Money - 4.8% AER
• Vida Savings - 4.63% AER /gross
• Moneybox - 4.6% AER
• Vida Savings - 4.55% AER/gross
• Harpenden Building Society - 4.5% AER
• Paragon Bank - 4.5% AER

Here are the top 10 Cash ISAs with a one-year fixed rate this week:

• Virgin Money - 4.27% AER
• Aldermore - 4.26% AER
• Kent Reliance - 4.26% AER
• Hodge Bank - 4.25% AER
• Paragon Bank - 4.25% AER
• Secure Trust Bank - 4.25% AER
• United Trust Bank - 4.25% AER
• Vida Savings - 4.25% AER
• Castle Trust Bank - 4.22% AER
• Hampshire Trust Bank - 4.22% AER.