With inflation now above 3.5% it has become close to impossible for savers to get a real return on their savings.Instant access accounts pay an average interest rate of 0.86% gross, equivalent to 0.69% for a basic rate taxpayer and 0.52% for a higher rate taxpayer.This is compared to inflation of 3.7% according to the [...]

More: Inflation sting for savers

The amazing thing is the amount of people that do nothing about it and keep their money in accounts paying a low rate.

If you became a rate tart you could get as much as 5 times the average from the Coventry Building Society and the AA or 4 times from Halifax, A&L or the Skipton Building Society (or Scarborough Investments Direct part of the Skipton Group).

Savers need to think about what is best for them and take action. Moaning about it isn't going to help especially when any of them could look at The Best Best Buys or any other financial comparison website and get a better deal.

Banks count on inertia as it makes them lots of money.

I agree that most of the people do not take any action and just keep the money in low-rate-paying accounts. I personaly am a hesitant person to try on new options and to take the challenge and to risk.
Maybe the main reason is that we are scared of the change. Thanks for your opinios. I'm going to check on the possiblities that you have mentioned.