Following the announcement on 18 December that the base rate was being cut from 4% to 3.75%, experts at Finder have been tracking the savings accounts at major UK banks.
Below is a table with the savings accounts that are still due to have their rates lowered as a result of the base rate cut.
| Bank | Account | Effective date | Old rate (AER) | New rate (AER) |
|---|---|---|---|---|
| Santander | Good for Life ISA | 14/01/2026 | 4.00% | 3.75% |
| Santander | Rate for Life | 14/01/2026 | 4.25% | 4.00% |
| NatWest | Digital Regular Saver (up to £5,000) | 19/01/2026 | 5.50% | 5.25% |
| NatWest | Flexible Saver (£1 - £24,999) | 19/01/2026 | 1.06% | 1.00% |
| NatWest | Savings Builder (up to £10,000) | 19/01/2026 | 1.50% | 1.25% |
| NatWest | Help to Buy ISA | 19/01/2026 | 1.85% | 1.60% |
| RBS | Digital Regular Saver (over £5,000) | 19/01/2026 | 5.50% | 5.25% |
| RBS | Flexible Saver (£1 - £24,999) | 19/01/2026 | 1.06% | 1.00% |
| RBS | Savings Builder (over £10,000) | 19/01/2026 | 1.50% | 1.25% |
| Barclays | Reward Saver | 26/01/2026 | 2.10% | 1.85% |
| Barclays | Blue Rewards Saver | 26/01/2026 | 2.75% | 2.51% |
| Yorkshire Building Society | Easy Access Saver | 05/02/2026 | 3.90% | 3.65% |
| Yorkshire Building Society | Easy Access ISA | 05/02/2026 | 3.70% | 3.60% |
| Yorkshire Building Society | Online Rainy Day Account (up to £10,000) | 05/02/2026 | 4.00% | 3.75% |
| Yorkshire Building Society | Single Access eISA | 05/02/2026 | 4.00% | 3.80% |
| Nationwide | Help to Buy ISA | 10/02/2026 | 2.50% | 2.25% |
| Nationwide | Continue to Save | 10/02/2026 | 1.75% | 1.50% |
| Nationwide | Child Trust Fund / Smart Junior ISA/ CTF Maturity ISA / Smart Junior ISA Maturity | 10/02/2026 | 3.05% | 2.80% |
| Nationwide | Branch Future Saver/ Future Saver / Children’s Future Saver | 10/02/2026 | 3.05% | 2.80% |
| Nationwide | 1 Year Triple Access Online Saver / ISA | 10/02/2026 | 3.50% | 3.30% |
| Nationwide | Branch Triple Access/ Triple Access Saver / ISA | 10/02/2026 | 1.55% | 1.30% |
| Nationwide | Reward Single Access ISA / Single Access ISA / Single Access Saver/ Branch Single Access/ Branch Single Access ISA | 10/02/2026 | 3.05% | 2.80% |
| Nationwide | Branch Limited Access/ Limited Access Saver, Limited Access Online Saver, e-Savings Plus | 10/02/2026 | 1.50% | 1.25% |
| Nationwide | Flex Instant Saver | 10/02/2026 | 2.50% | 2.30% |
| Nationwide | Branch Reward Saver/ Branch Reward ISA/ Reward Saver / Reward ISA | 10/02/2026 | 3.00% | 2.75% |
| Nationwide | Branch Flex Saver/ Branch Flex ISA/ Flex Saver / Flex ISA1 | 10/02/2026 | 1.25%- 1.45% | 1.15%- 1.25% |
| Nationwide | Branch Easy Access/ Instant Access2 | 10/02/2026 | 1.10%- 1.35% | 1.10%- 1.20% |
| Nationwide | Branch Instant Access Maturity/ Instant Access Saver – Issue 10 & 15 | 10/02/2026 | 1.45% | 1.25% |
| NatWest | First Saver | 06/03/2026 | 1.85% | 1.60% |
| NatWest | Adapt Account | 06/03/2026 | 1.85% | 1.60% |
| NatWest | First Reserve | 06/03/2026 | 1.06% | 1.00% |
| NatWest | Primary Savings (£1 - £24,999) | 06/03/2026 | 1.06% | 1.00% |
| RBS | First Saver | 06/03/2026 | 1.85% | 1.60% |
| RBS | Revolve Account | 06/03/2026 | 1.85% | 1.60% |
| RBS | Instant Access Savings | 06/03/2026 | 1.06% | 1.00% |
| RBS | Primary Savings (£1 - £24,999) | 06/03/2026 | 1.06% | 1.00% |
| The Co-operative Bank | Cash ISA | 08/03/2026 | 1.46% | 1.40% |
| The Co-operative Bank | Future Fund Account | 08/03/2026 | 1.46% | 1.40% |
| The Co-operative Bank | Online Cash ISA | 08/03/2026 | 2.06% | 2.00% |
| The Co-operative Bank | Online Saver | 08/03/2026 | 2.06% | 2.00% |
| The Co-operative Bank | Select Access Saver | 08/03/2026 | 3.40% | 3.28% |
| The Co-operative Bank | Smart Saver | 08/03/2026 | 1.46% | 1.40% |
| Barclays | Rainy Day Saver | 11/03/2026 | 4.21% | 3.96% |
| Barclays | Everyday Saver | 11/03/2026 | 1.06% | 1.00% |
| Barclays | Instant Cash ISA | 11/03/2026 | 1.06% | 1.00% |
| HSBC | Online Bonus Saver | 12/03/2026 | 3.50% | 3.35% |
| HSBC | Flexible Saver | 12/03/2026 | 1.15% | 1.05% |
| HSBC | Premier Savings (£1 - £49,999) | 12/03/2026 | 1.20% | 1.10% |
| HSBC | MySavings (up to £3,000) | 12/03/2026 | 4.00% | 3.75% |
"No one likes life admin, but it really does pay to stay on top of your savings. Easy access savings rates are always changing, and the provider offering the best deal won’t necessarily stay as the most competitive – especially when the base rate moves. So, it’s a game of constantly seeing who has the most tempting offer to get the biggest boost on your savings.
Many providers now offer boosted rates for between 3-12 months – and these often beat the base rate even with cuts – so sign up to one of those and set a reminder in your calendar to switch as soon as it runs out."
The next Bank of England base rate meeting is on 5 February 2026. The Bank of England’s Monetary Policy Committee (MPC) meets 8 times a year.
| MPC meeting schedule 2026 |
|---|
| Thursday 5 February |
| Thursday 19 March |
| Thursday 30 April |
| Thursday 18 June |
| Thursday 30 July |
| Thursday 17 September |
| Thursday 5 November |
| Thursday 17 December |
Analysts at Finder have been tracking the savings rate announcements at major UK banks and building socities and listing any upcoming changes on this page.
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