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Cahoot, M&S Bank, Nationwide and Zopa all charge 3.6 per cent over three years.
Similarly, a 0.20% rise on selected fixed rates means Cahoot's four-year bond now pays 4.30% on its anniversary on pounds 500-pounds 5m.
Cahoot, owned by Abbey, pays 3.75 per cent on credit balances and charges just 11.8 per cent on agreed overdrafts.
First Direct, which is part of the HSBC group, said the bank has been testing its website security and confirmed its security is being updated this week, while Cahoot and The Bank of Scotland have provided a similar response.
At the end of March, Cahoot announced that 94 posts from its 300-strong workforce were going.
John Goddard, managing director of cahoot, said: "Many people borrow money from one source or another, which isn't necessarily a problem as long as they have the means to pay it back.
Mr Reece raised his concerns with BBC News - which earlier this month reported on a security loophole at Internet bank Cahoot - and Morgan Stanley moved fast to deal with the problem.
The cost has soared ahead of inflation, says internet bank Cahoot which carried out the research.
The 4.5% is also available from Cahoot and M&S Bank but is just pipped by Zopa at 4.3%.
CAHOOT'S two-year bond is paying an annual 4.01% on savings of pounds 25,000-plus, bringing good news to savers up and down the country.
Abbey's Cahoot is launching a special 12-month bond paying 7.01 per cent gross on minimum pounds 1,000 deposits, while Kaupthing Edge has increased the rate on 12-month and 36-month fixed term accounts to a market-leading 7.15 per cent.
Three out of 10 Britons admit they have wasted money while abroad on items they wish they had never bought, spending an average of pounds 21 each, according to online bank Cahoot.
Cahoot, based at Friars House in Manor House Drive, is offering staff facing redundancy the chance to relocate to Bradford -or Madrid.
According to financial information website, Cahoot is currently offering the best deal on a pounds 10,000 loan over five years of 5.6%, providing the borrower has a good credit history, followed by the Post Office and Northern Rock, both at 5.8%.
It claimed that someone who borrowed pounds 2,800 over a year, paying the balance in full every four months, would pay pounds 40 on a Cahoot credit card and just pounds 38 on an HSBC one, despite the fact that Cahoot charges interest of 11.8 per cent and HSBC charges 13.9 per cent.