Working Lunch viewer John Morris is unhappy with Bradford & Bingley Email us your views Watch: Simon's report

One of the things that most gets your goat is when banks and building societies attract your savings with headline-grabbing rates, only to cut them a few months later.

John Morris from Worthing contacted us about his Bradford & Bingley Internet Saver account.

He was drawn by the product's impressive 6.4% return, but was disappointed when the company soon cut his rate.

New customers

Worse, John found out that Bradford & Bingley brought out a second issue of the account for new customers, paying the original 6.4%.

Many viewers tell us similar stories.

Research into consistent best buys by comparison website Moneyfacts.co.uk has uncovered the best accounts for those who don't want to keep chasing the latest deals.

According to their figures, Sainsbury's Bank has been the best performer for internet savings over the past 18 months.

Rate tart

Currently offering 6.0% gross, �1,000 saved a year and a half ago in their Internet Saver account would have yielded �85.47 before tax.

Those even less inclined to be a 'rate tart' might like to consider the Nationwide Building Society's e-Savings product, which offers 5.55% at present.

According to Moneyfacts.co.uk, you would have gained �159.66 before tax on every �1,000 deposited 36 months ago.

Bear in mind though, as you often hear, past performance is not always a guide to the future.