Rate-Lag Tracker / Chase
Yes — after the 5 Nov 2026 base-rate change, Chase adjusted its rate in 7 days, passing through 100% of the change. Its average across 1 tracked changes is 7 days (market average: 6 days).
7 days
Average lag across 1 changes
100%
Average pass-through to savers
6 days
Market average lag
| BoE change | Base rate | Chase moved | Lag | Pass-through |
|---|---|---|---|---|
| 5 Nov 2026 | 3.75% → 4% | 12 Nov 2026 | 7d | 100% |
Compare every bank on the Rate-Lag Tracker or see the citable monthly summary on the Rate Lag Index.