article_snippet: Families have lost as much as £5,000 since rates were cut, according to a recent estimates.
article_snippet: The average rate paid on instant access bank accounts has fallen from 3.1 per cent in September 2008 to just 0.78 per cent now.
article_snippet: Average Isa rates have also fallen from 1.99 per cent in March 2009 to 1.45 per cent.