StoozeMax Data — July 2026 edition · free to cite with attribution
The UK Bank Rate Lag Index
How long UK banks take to pass Bank of England base-rate changes on to savers — tracked daily from published savings rates
Switch-bonus payout league (community-confirmed)
Days from completing a switch to the bonus landing, from user-confirmed reports over the last 12 months.
| Bank | Avg days to pay | Reports |
|---|---|---|
| Co-op Bank | 7 | 1 |
| Nationwide | 10 | 1 |
| NatWest | 30 | 1 |
| RBS | 30 | 1 |
| Santander | 30 | 1 |
| First Direct | 50 | 1 |
| HSBC | 60 | 1 |
| Barclays | 63 | 1 |
FCA complaints per 1,000 accounts
| Bank | Complaints / 1,000 |
|---|---|
| Halifax | 1.91 |
| Nationwide | 1.94 |
| Monzo | 2.07 |
| Lloyds | 2.37 |
| Santander | 2.45 |
| Co-op | 2.48 |
| HSBC | 2.57 |
| TSB | 3.48 |
| Starling | 3.62 |
| Virgin Money | 3.77 |
Source: FCA complaints data, banded per 1,000 relevant accounts. Full table →
Methodology & citation
StoozeMax tracks published savings rates and switch offers from UK banks daily. Rate lag is measured from each Bank of England base-rate change to the day a bank's easy-access rate moves; pass-through is the fraction of the change reflected. Payout times are user-confirmed reports. Data may be republished with attribution and a link: “Source: StoozeMax (stoozemax.com)”.
Press contact: press@stoozemax.com · More data: stoozemax.com/press