{"id":564333,"date":"2025-08-22T15:21:04","date_gmt":"2025-08-22T14:21:04","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=564333"},"modified":"2026-02-25T13:46:57","modified_gmt":"2026-02-25T13:46:57","slug":"which-banks-are-cutting-interest-rates","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/savings-accounts\/which-banks-are-cutting-interest-rates","title":{"rendered":"Which banks are cutting interest rates?"},"content":{"rendered":"

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<\/a>.<\/p>

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.<\/p>

Upcoming drops: Which banks are cutting interest rates soon?<\/h3>\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
Bank<\/th>\n Account<\/th>\n Effective date<\/th>\n Old rate (AER)<\/th>\n New rate (AER)<\/th>\n <\/tr>\n <\/thead>\n
Barclays<\/td>\n Rainy Day Saver (up to \u00a35,000)<\/td>\n 11\/03\/2026<\/td>\n 4.21%<\/td>\n 3.96%<\/td>\n <\/tr>\n
Barclays<\/td>\n Everyday Saver<\/td>\n 11\/03\/2026<\/td>\n 1.06%<\/td>\n 1.00%<\/td>\n <\/tr>\n
Barclays<\/td>\n Instant Cash ISA<\/td>\n 11\/03\/2026<\/td>\n 1.06%<\/td>\n 1.00%<\/td>\n <\/tr>\n
HSBC<\/td>\n Online Bonus Saver<\/td>\n 12\/03\/2026<\/td>\n 3.50%<\/td>\n 3.35%<\/td>\n <\/tr>\n
HSBC<\/td>\n Flexible Saver <\/td>\n 12\/03\/2026<\/td>\n 1.15%<\/td>\n 1.05%<\/td>\n <\/tr>\n
HSBC<\/td>\n Premier Savings (\u00a31 - \u00a349,999)<\/td>\n 12\/03\/2026<\/td>\n 1.20%<\/td>\n 1.10%<\/td>\n <\/tr>\n
HSBC<\/td>\n MySavings (up to \u00a33,000)<\/td>\n 12\/03\/2026<\/td>\n 4.00%<\/td>\n 3.75%<\/td>\n <\/tr>\n
first direct<\/td>\n Savings Account<\/td>\n 12\/03\/2026<\/td>\n 1.15%<\/td>\n 1.05%<\/td>\n <\/tr>\n
first direct<\/td>\n Bonus Savings Account<\/td>\n 12\/03\/2026<\/td>\n 3.50%<\/td>\n 3.35%<\/td>\n <\/tr>\n
Virgin Money (up to \u00a325,000)<\/td>\n M Saver<\/td>\n 30\/03\/2026<\/td>\n 2.00%<\/td>\n 1.75%<\/td>\n <\/tr>\n
Virgin Money (up to \u00a325,000)<\/td>\n M Plus Saver<\/td>\n 30\/03\/2026<\/td>\n 2.00%<\/td>\n 1.75%<\/td>\n <\/tr>\n
Virgin Money (up to \u00a325,000)<\/td>\n Club M Saver<\/td>\n 30\/03\/2026<\/td>\n 2.00%<\/td>\n 1.75%<\/td>\n <\/tr>\n
Virgin Money (over \u00a325,000)<\/td>\n M Saver<\/td>\n 30\/03\/2026<\/td>\n 1.50%<\/td>\n 1.25%<\/td>\n <\/tr>\n
Virgin Money (over \u00a325,000)<\/td>\n M Plus Saver<\/td>\n 30\/03\/2026<\/td>\n 1.50%<\/td>\n 1.25%<\/td>\n <\/tr>\n
Virgin Money (over \u00a325,000)<\/td>\n Club M Saver<\/td>\n 30\/03\/2026<\/td>\n 1.50%<\/td>\n 1.25%<\/td>\n <\/tr>\n <\/tbody>\n<\/table>
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What should I do if my savings rate is changing?<\/div>\n
\n

\"No one likes life admin, but it really does pay to stay on top of your savings. Easy access savings rates<\/a> are always changing, and the provider offering the best deal won\u2019t necessarily stay as the most competitive \u2013 especially when the base rate moves. So, it\u2019s a game of constantly seeing who has the most tempting offer to get the biggest boost on your savings.<\/p>

Many providers now offer boosted rates for between 3-12 months \u2013 and these often beat the base rate even with cuts \u2013 so sign up to one of those and set a reminder in your calendar to switch as soon as it runs out<\/a>.\"<\/p>\n\n <\/div>\n <\/div>\n\n \n Kate Steere\n <\/a>\n

Editor<\/div>\n <\/div>\n <\/div>\n<\/div>\n

When is the next Bank of England meeting?<\/h3>

The next Bank of England base rate meeting is on 19 March 2026. The Bank of England\u2019s Monetary Policy Committee (MPC) meets 8 times a year.<\/p>\n \n \n \n \n \n \n \n \n \n \n \n
MPC meeting schedule 2026<\/th>\n <\/tr>\n <\/thead>\n
Thursday 5 February<\/td>\n <\/tr>\n
Thursday 19 March<\/td>\n <\/tr>\n
Thursday 30 April<\/td>\n <\/tr>\n
Thursday 18 June<\/td>\n <\/tr>\n
Thursday 30 July<\/td>\n <\/tr>\n
Thursday 17 September<\/td>\n <\/tr>\n
Thursday 5 November<\/td>\n <\/tr>\n
Thursday 17 December<\/td>\n <\/tr>\n <\/tbody>\n<\/table>

Methodology<\/h3>

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.<\/p><\/div><\/article>","protected":false},"excerpt":{"rendered":"

Which banks are passing on interest rate cuts to their customers? Discover the upcoming rate drops by banks and savings providers in our table. <\/p>\n","protected":false},"author":1312,"featured_media":564476,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[1181],"tags":[],"asset_tag":[],"class_list":["post-564333","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-savings-accounts"],"apple_news_notices":[],"yoast_head":"\nWhich 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