The consumer group says half of the 1,200-plus savings accounts available in the UK pays interest of 0.5% or less, while a quarter pay just 0.1% or lower.
It's not all down to our own laziness, though: Which? says few banks provide enough detail on the savings rates that are available. The group is advising people to take action and fight what it's calling the 'savings scandal' (very Daily Mail). Just don’t all rush at once: if everyone moves to a high-rate account then interest rates are likely to take a swift dive - and at the moment, that's something we really can't afford.