I do HSBC Advance and get the regular saver. I determinded that if you take advantage of the bundled travel insurance and roadside assistance and the regular saver (max £250 per month), it's worth the £12/month.
I used to have it but it wasn't worth it because I have better insurance already and when they dropped the interest rates it was no longer 'paying for itself'.
Nationwide - "You must pay in at least £1,000 per calendar month"
HSBC - Must be an Advance customer (which if I recall was about £12 per month)
So, neither of these work for 5%.