Base rate and savings

Get savvy about how the base rate affects savings.

The recent announcement

On 18 December 2025, the Bank of England announced a decrease in the Bank of England base rate from 4.00% to 3.75%.

Let’s take a closer look

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Brand change

As the Halifax brand changes to Lloyds, we'll keep you informed at every stage.

More on the change

Get the Lloyds app

Access and manage your Halifax accounts in the Lloyds app. 

How to get the app

Support centre

While the brand might be changing, we're still here to support you. 

Get help and support