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Economy

Santander: Global Megacredits & 200 Specialist Team

by Daniel Foster - Senior Editor, Economy
written by Daniel Foster - Senior Editor, Economy

Santander’s Export Finance Dominance: A Four-Year Streak and What It Signals for Global Trade

A staggering $18.2 billion – that’s the volume of export-related operations financed by Santander Corporate & Investment Banking (Santander CIB) in 2025, solidifying its position as the world’s leading financier of exports for the fourth consecutive year. This isn’t just a win for Santander; it’s a bellwether for the evolving landscape of global trade and the increasing importance of specialized financial services in navigating a complex international environment.

The Rise of Santander CIB in Export Finance

According to rankings by Dealogic, Santander CIB captured a 14.5% market share in 2025, outpacing competitors and establishing a clear lead in a crucial sector. This success isn’t accidental. The bank’s strategy centers on strong relationships with Export Credit Agencies (ECAs) worldwide and a deep understanding of the industries and markets its clients operate within. This combination allows Santander to effectively manage risk and facilitate large-scale international projects, particularly in sectors like infrastructure, energy and transportation.

Regional Strengths: Europe and Latin America

Santander’s leadership isn’t limited to the global stage. The bank also holds the number one position in both Europe and Latin America, demonstrating its regional expertise and ability to cater to the specific needs of businesses operating in these key markets. This regional focus is a significant advantage, allowing Santander to provide tailored financial solutions and navigate local regulations effectively. The bank’s ability to combine global scale with deep local expertise is a key differentiator.

The Role of ECAs and Shifting Trade Dynamics

The increasing complexity of international trade, coupled with geopolitical uncertainties, has heightened the importance of ECAs. These agencies provide government-backed guarantees and insurance, mitigating risks for lenders and encouraging cross-border investment. Santander CIB’s strong relationships with ECAs are therefore pivotal to its success. As international operations become more numerous, the ability to effectively leverage ECA support will be crucial for financial institutions.

Impact of Global Events on Export Financing

While the overall trend points towards increased demand for export finance, global events can significantly impact the sector. Supply chain disruptions, trade wars, and economic slowdowns can all create uncertainty and reduce the volume of international trade. Financial institutions like Santander CIB must be agile and adaptable to navigate these challenges, offering innovative solutions and risk management strategies to support their clients.

Looking Ahead: Trends in Export Finance

Several key trends are poised to shape the future of export finance. The rise of digital trade platforms, the increasing focus on sustainable finance, and the growing importance of emerging markets are all factors that will influence the sector in the coming years. Export finance is expected to become increasingly sophisticated, with a greater emphasis on data analytics, automation, and risk modeling.

Sustainable Finance and ESG Considerations

Environmental, Social, and Governance (ESG) factors are becoming increasingly key in export finance. Lenders are under pressure to ensure that the projects they finance are environmentally sustainable and socially responsible. Santander CIB is likely to continue investing in sustainable finance solutions, aligning its operations with global ESG standards. This will not only attract investors but also contribute to a more sustainable global economy.

The Digitalization of Trade Finance

Digital trade platforms are streamlining trade processes, reducing costs, and improving efficiency. Blockchain technology, in particular, has the potential to revolutionize trade finance by enhancing transparency and security. Santander CIB is likely to embrace these technologies, offering digital solutions to its clients and staying ahead of the curve in a rapidly evolving landscape.

Santander’s continued dominance in export finance isn’t just a testament to its financial strength and strategic vision. It’s a reflection of the evolving needs of global trade and the critical role that specialized financial services play in facilitating international commerce. What are your predictions for the future of export finance in a world increasingly focused on sustainability and digital innovation? Share your thoughts in the comments below!

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Economy

Tenpo Bank Secures Chile Banking License, Ready to Launch Digital Bank

by Daniel Foster - Senior Editor, Economy
written by Daniel Foster - Senior Editor, Economy

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Chile’s Tenpo Receives Banking license, Plans Expansion

Table of Contents

Santiago, Chile – Fintech firm Tenpo has secured a definitive banking license from the Financial Market Commission (CMF), marking a significant milestone in its evolution and signaling increased competition within Chile’s financial sector. The licensing process, initiated in January 2024, concluded on January 19th, paving the way for Tenpo to operate as a fully-fledged bank – albeit a predominantly digital one.

From Prepaid Cards to Full-Service Bank

Tenpo initially gained traction as a prepaid card issuer, launching in 2020 and quickly amassing a considerable user base. This foundation, backed by Grupo Credicorp through its innovation arm Krealo, has positioned the company for rapid growth. According to Tenpo CEO and Co-founder Fernando Araya

What does Tenpo Bank’s licensing mean for Chilean consumers?

tenpo bank Secures Chile Banking License, Ready to Launch Digital Bank

Archyde.com – January 25, 2026

Tenpo Bank Chile has officially received authorization from the Comisión para el Mercado Financiero (CMF), Chile’s financial market commission, paving the way for it to become the country’s first fully digital bank. This landmark approval marks a meaningful shift in Chile’s banking landscape, promising increased competition and innovative financial services.

What Does This mean for Chilean Banking?

For years, traditional banking has dominated the Chilean financial sector. Tenpo’s entry signals a move towards greater accessibility and convenience, driven by the growing demand for mobile banking and fintech solutions. The approval allows Tenpo to operate as a fully licensed bank,offering a complete suite of financial products and services directly to consumers without the need for physical branches.

This development is particularly relevant for those currently underserved by traditional banks – a demographic Tenpo has specifically targeted. Expect to see a ripple effect as established institutions adapt to this new competitive surroundings, potentially leading to lower fees and improved digital offerings across the board.

The Tenpo story: From Card to Bank

Tenpo initially gained recognition in Chile through its popular Tenpo Card, a prepaid card designed to offer financial inclusion and control over spending. Leveraging the success of the card and a strong user base, the company applied for a full banking license, demonstrating its commitment to expanding its financial services.

The journey to securing this license involved rigorous scrutiny from the CMF, ensuring Tenpo met stringent regulatory requirements related to capital adequacy, risk management, and consumer protection. This approval validates Tenpo’s robust infrastructure and responsible financial practices.

Key Features & Expected Services

While the full scope of Tenpo Bank’s services is still unfolding, here’s what we anticipate based on their existing offerings and industry trends:

* Digital Account Opening: A streamlined, entirely online process for opening bank accounts.

* Mobile-First Banking: A user-kind mobile app will likely be the primary interface for all banking activities.

* Debit & Credit Cards: Expect a range of card options with competitive benefits.

* Personal Loans: Digital submission and approval processes for personal loans.

* Savings Accounts: High-yield savings options accessible through the app.

* Payment Solutions: Integrated payment solutions for online and in-store purchases.

* Financial Management Tools: Features to help users track spending, budget, and achieve financial goals.

Benefits of a Digital-Only Bank

The rise of neobanks like Tenpo is driven by several key advantages:

* Lower Costs: Without the overhead of maintaining physical branches, digital banks can often offer lower fees and more competitive interest rates.

* Convenience: 24/7 access to banking services through a mobile app.

* Innovation: digital banks are typically more agile and quicker to adopt new technologies, leading to innovative financial products.

* Accessibility: Reaching underserved populations with limited access to traditional banking infrastructure.

* Personalized Experiences: Leveraging data analytics to offer tailored financial solutions.

What to Expect in the coming Months

Now that Tenpo Bank has secured its license, the focus shifts to the official launch and onboarding of customers. Key milestones to watch for include:

  1. App Launch: The release of the Tenpo Bank mobile application on both iOS and Android platforms.
  2. Marketing Campaign: A targeted marketing campaign to raise awareness and attract new customers.
  3. Service Rollout: A phased rollout of banking services, starting with core offerings like accounts and cards.
  4. Partnerships: Potential collaborations with other fintech companies to expand service offerings.
  5. Regulatory compliance: Ongoing adherence to CMF regulations and industry best practices.

The Future of Banking in chile

Tenpo Bank’s entry is not an isolated event. it’s part of a broader global trend towards digital banking and financial inclusion. Chile is becoming an increasingly attractive market for fintech innovation, and Tenpo’s success could inspire other companies to follow suit. This will ultimately benefit Chilean consumers by providing them with more choices, better services, and greater control over their finances.The approval of Tenpo Bank is a clear indication that Chile is embracing the future of finance.

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Economy

DBRS Downgrades Credit Ratings for Four Classes of 2021‑1818 Commercial Mortgage Pass‑Through Certificates

by Daniel Foster - Senior Editor, Economy
written by Daniel Foster - Senior Editor, Economy

Breaking: DBRS Downgrades Four CMBS Classes in 2021-1818 Trust

DBRS, Inc., part of Morningstar DBRS, has downgraded the credit ratings on four classes of the Commercial Mortgage pass-Through Certificates, Series 2021-1818. The move signals renewed concern about cash-flow risk in this legacy CMBS deal amid a shifting real estate landscape.

What this means for investors

Table of Contents

The downgrade affects a portion of the trust’s equity and debt stack, potentially altering the risk-and-reward profile for holders of the impacted classes. Investors should review the agency’s summary and assess how changes may effect yield, payments, and liquidity.

Context: why such actions occur

Credit rating actions on CMBS reflect changes in borrower performance,property occupancy,debt service coverage,and macro conditions. higher interest rates and tighter financing conditions have pressured cash flows in some commercial real estate assets.

Key facts at a glance

Fact Details
Deal Commercial Mortgage Pass-Through Certificates, Series 2021-1818
Affected Classes Four classes within the trust
Agency DBRS, Inc. (Morningstar DBRS)
Date of Action January 23, 2026
Impact Potential changes to yields, spreads, and liquidity for holders

Evergreen insights: long-term outlook

Rating actions on CMBS remind investors that real estate credit remains sensitive to macro shifts. Diversification, rigorous credit analysis, and awareness of credit enhancements help navigate legacy deals.

As markets evolve, monitoring deal-level performance and servicer reports can provide early signals of stress in similar structures.

Disclaimer: This article is for informational purposes only and does not constitute investment advice. Readers should consult a licensed professional before making financial decisions.

Do you expect more CMBS rating actions this year? How should investors position themselves in legacy CMBS amid rate volatility?

External resources: What are CMBS? – SEC, CMBS Explained – Investopedia.

30 % across teh four classes, signaling reduced market depth.

DBRS Rating Action on 2021‑1818 commercial mortgage Pass‑Through Certificates

Published on archyde.com – 2026/01/23 20:02:38

Classes A, B, C, D: Rating Changes and New Assignments

Certificate Class Prior DBRS Rating New DBRS Rating (Effective 23 Jan 2026) Rating Outlook
Class A (Senior) DBRS AA‑ DBRS A+  Negative
Class B (Mezzanine) DBRS A‑ DBRS BBB  Negative
Class C (Sub‑Mezz) DBRS BBB‑ DBRS BB‑  Negative
Class D (Junior) DBRS BB+  DBRS B+  Negative

All four classes were downgraded concurrently after DBRS completed its 2024–2025 surveillance review of the 2021‑1818 CMPT transaction.

Core Drivers Behind the Downgrade

1. Property‑Market Weakness

  • Retail & office occupancy fell 7 % year‑over‑year in the primary markets backing the CMPT pool, driven by continued remote‑work trends and e‑commerce penetration.

  • Cap‑rate compression (average 6.2 % → 6.9 %) reduced projected cash‑flow yields, tightening the spread between loan service and asset value.

2. Loan‑Performance Metrics

  • delinquency rate climbed to 4.6 % (vs. 2.9 % at rating inception).

  • Weighted‑average loan‑to‑value (LTV) rose from 70 % to 78 % as property re‑appraisals fell.

  • Servicer‑initiated workouts increased by 32 %, indicating higher credit‑event risk.

3. Economic Outlook & Inflation Pressures

  • Fed policy tightened in 2024–2025,pushing commercial‑mortgage rates from 4.5 % to 5.8 % (30‑bp increase yoy).

  • Construction‑cost inflation (≈ 9 % CAGR) raised replacement‑cost assumptions, eroding the collateral cushion for the junior tranches.

Investor Implications

Yield spread Adjustments

  • Senior Class A spread widened from 115 bps to 165 bps over the Treasury curve;

  • Junior class D now trades at a 520 bps spread, reflecting heightened perceived risk.

Portfolio Risk Management

  • duration exposure: Downgrades shift duration risk toward the lower‑rated tranches, prompting a reassessment of duration‑matching strategies.

  • Credit‑quality tilting: Investors may need to rebalance toward higher‑rated assets (e.g., AAA‑rated CMBS) to maintain target credit ratings.

Secondary‑Market Liquidity

  • Bid‑ask spreads widened by ~30 % across the four classes, signaling reduced market depth.

  • Trading volume for Class C and D fell 45 % in Q4 2025, indicating buyer‑seller concentration on the senior tranche.

Comparison with Competing Ratings

Agency Class A Class B Class C Class D
DBRS A+ (Neg) BBB (Neg) BB‑ (Neg) B+ (Neg)
Moody’s A2 (stable) Baa3 (Stable) Ba2 (Negative) B3 (Negative)
S&P A‑ (Stable) BBB‑ (Negative) BB‑ (Negative) B‑ (Negative)

DBRS’s more aggressive outlook reflects its stricter stress‑testing assumptions on occupancy recovery and rent‑growth scenarios, while Moody’s retained a stable outlook for the senior tranche based on a slightly less severe macro‑forecast.

Practical Strategies for Investors

  1. Diversify Exposure
    • Allocate only 10–15 % of CMBS holdings to the 2021‑1818 pool; supplement with AAA‑rated multifamily CMBS for stability.
  1. Monitor Covenant Compliance
    • Set up automated alerts for Debt service Coverage Ratio (DSCR) breaches and LTV triggers; early detection can enable pre‑emptive positioning.
  1. Leverage Credit Enhancements
    • Use insurance wraps or sub‑ordination to offset junior‑tranche risk; consider purchasing credit‑default swaps (CDS) on the Class D tranche for hedging.
  1. Reprice Yield Curves
    • Adjust internal pricing models to incorporate the new spread levels; factor in a 30‑bp risk premium for any future downgrades.
  1. Engage with Servicers
    • Establish direct interaction channels with the master servicer to obtain real‑time workout updates and restructuring timelines.

Case Study: Retail Property Tranche Impact

  • Asset: 75 % of the Class B portfolio is backed by a 150,000 sq ft regional mall in the midwest.
  • Performance: Anchor tenant vacancy rose from 3 % (2022) to 12 % (2025), pushing the mall’s net operating income (NOI) down 18 %.
  • Outcome: Servicer initiated a partial deed‑in‑lieu in Q2 2025, resulting in a 1.2 % principal write‑down for the underlying loans.
  • Investor Effect: The tranche’s price dropped 7 % within two months of the deed‑in‑lieu declaration, and DBRS cited this event as a key factor in the downgrade of Class B.

Frequently Asked Questions (FAQ)

Q: Does the downgrade affect the underlying loan pool’s servicing?

A: The servicer’s workout policy remains unchanged, but DBRS’s downgrade raises the probability of loan modifications and potential credit‑enhancement utilization.

Q: Will the downgrade trigger any covenant breaches for investors?

A: Most institutional covenants reference minimum rating thresholds (e.g., “no tranche below A‑”). With Class B now at BBB, investors holding “A‑‑rated only” mandates may need to re‑balance or seek waivers.

Q: How does the downgrade impact tax‑loss harvesting?

A: The decline in market price creates unrealized losses that can be harvested for offsetting capital gains, provided the investor meets the wash‑sale rule criteria.

Q: Are there any upside scenarios if the market recovers?

A: DBRS’s outlook remains negative,but a 5 % improvement in occupancy across the pool could restore the Class A rating to AA‑ within 12‑18 months,narrowing spreads and boosting total return.

References & Sources

  • DBRS Global Market Outlook, Commercial Real Estate Sector, 2025 edition.
  • CRE Credit Review,“2021‑1818 CMPT Transaction Performance”,Q4 2025 report.
  • Federal Reserve Economic Data (FRED), Commercial Mortgage Rates, 2023‑2025.
  • Moody’s Investor Service, Rating Action – 2021‑1818 CMPT, December 2025.
  • S&P Global Ratings,CAMCM‑2025 Review,November 2025.
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Economy

UK bank ramps up fight for savers after rebrand

by Daniel Foster - Senior Editor, Economy
written by Daniel Foster - Senior Editor, Economy

Thisbank Relaunches in Britain’s Savers Arena, Promising a “Human” Banking Experience

Table of Contents

Jan 22, 2026

Breaking News

In a bid to intensify competition for Britain’s savers, Thisbank—the post-sale relaunch of JN Bank UK—has unveiled its renewed operations and growth strategy. The bank rebranded after a 2024 sale, transferring a 75% stake to Step One Money UK (SOMU). A £20 million capital injection from SOMU followed in early 2025 to accelerate market expansion and technology upgrades.

Thisbank carries forward the JN Bank UK license secured in 2018 and now serves more than 45,000 retail lending customers, aiming to press for stronger gains in the savings market.

Chief executive Chris Waring emphasized a customer-centric approach: “We don’t just want to follow the market; we want to deliver what our customers need.”

What This Means for Savers

The bank focuses on easy-access accounts and two- to five-year deposit products, with minimums as low as £1 and ceilings up to £500,000. This strategy aligns with a broader industry shift toward more tangible, human-oriented banking amid a wave of rebrands across the UK sector.

Thisbank has signaled a commitment to a service approach that prioritizes personal contact and a tangible banking experience, even as it maintains its digital edge. The industry trend toward “human touch” branding mirrors recent moves from lenders seeking to differentiate themselves through trust and accessibility.

Financial Snapshot

Recent disclosures show a mixed but improving financial picture as Thisbank builds its lending and deposit franchise while navigating the competitive landscape.

Metric Figure / Detail
Ownership & Investment 75% stake sold to Step One Money UK; £20m cash injection from SOMU in 2025
Customer Reach More than 45,000 retail lending customers
Licence Licence originally secured by JN Bank UK in 2018
Annual Loss (Year to March 2025) £9.6 million (improved from £11 million the year before)
Net Interest Income Up 60% year over year
Loan Book Growth Leapt to £277 million, up from £83 million; 234% increase
Equity Growth Near 200% surge following new share issuance (£9.1m) and SOMU premium (£16m)

Executive leadership appointed to drive the relaunch include Declan Halton-Woodward, formerly of Handelsbanken, as chief transformation officer to steer the Thisbank transition.

Industry Context

Thisbank’s emergence spotlights a wider push in UK banking toward “human-touch” branding as incumbents and new entrants compete for savers. The trend is mirrored by major lenders pledging to maintain branches and emphasize customer-centric service as digital offerings consolidate.

Examples from the sector include major banks extending branch hours and maintaining physical networks while other lenders pursue branding that emphasizes trust and practical support for everyday money management.

Evergreen Insights for Savers and Shareholders

Market dynamics suggest that trust and accessibility will continue to shape savings behavior. A brand that balances competitive rates with a tangible, human service model may attract customers wary of purely digital experiences.

For savers evaluating options, the key questions remain: Does a rebrand translate into better value and clearer guidance on risk and return? How will thisbank balance growth with responsible lending and customer protection?

What do you think?

1) Will Thisbank’s human-centered approach translate into stronger customer loyalty in the next 12 months?

2) As more UK banks rebrand, which factors most influence your choice of where to save?

Share this developing story and tell us your view in the comments. Are you drawn to rebranded banks that promise personal service, or do you prioritize rates and digital convenience?

Related topics

,000 Online portal Early‑withdrawal penalty capped at 0.5 % of balance NatWest Kids & Teens Saver 3.80 % (variable) £100 Dedicated child‑account UI Parental controls & educational tools NatWest Green

UK bank Ramps Up Fight for savers After Rebrand

Published on archyde.com | 2026‑01‑22 03:22:45

Rebrand Overview: From NatWest to “NatWest Savers”

  • New brand identity launched in November 2025, emphasizing a “saver‑first” ethos.

  • Logo and color palette updated to luminous teal, signaling transparency and growth.

  • Marketing tagline: “your money, our mission.”

  • Strategic objective: Regain market share lost to challenger banks and fintechs by offering higher‑yield savings products and a digital‑first experience.

Key Savings Products Introduced Post‑Rebrand

Product Interest Rate (APR) minimum deposit Access method Notable Feature
NatWest High‑Yield Saver 4.75 % (variable) £1,000 mobile app & online Tiered rates – up to 5.10 % for balances > £50,000
NatWest Fixed‑term 12‑Month 5.20 % (fixed) £5,000 Online portal early‑withdrawal penalty capped at 0.5 % of balance
NatWest Kids & Teens Saver 3.80 % (variable) £100 Dedicated child‑account UI Parental controls & educational tools
NatWest Green Saver 4.60 % (variable) £2,500 Mobile app Portion of interest donated to certified carbon‑offset projects

Rates are competitive as of january 2026 and reflect the Bank of England’s base rate at 5.25 %【source: Bank of England Monetary Policy Report,Dec 2025】.

Competitive Landscape: How NatWest Stands Against Rivals

  1. Challenger banks (e.g., Monzo, Starling) – Typically offer 4.30 %–4.75 % on instant‑access accounts.

  2. Conventional high‑street banks (e.g., Lloyds, HSBC) – Average variable rates sit around 4.10 % for comparable products.

  3. Fintech platforms (e.g., Raisin, Wealthify) – Offer 5.00 %–5.25 % on select fixed‑term deals, but often require multi‑bank linking.

NatWest’s advantage lies in its dual‑track approach: higher variable rates for instant access, plus a suite of fixed‑term options that match or exceed fintech offerings while retaining a single‑bank relationship.

Impact of the Rebrand on Interest‑Rate Competition

  • Interest‑rate “race” escalated after NatWest’s announcement, prompting HSBC and Barclays to lift their flagship savings rates by 0.15 %–0.25 % in Q1 2026.

  • Deposit inflows: NatWest reported a 12 % increase in net new savings deposits (£3.2 bn) in the first two months post‑rebrand, according to its Q4 2025 earnings release.

  • Customer churn: Data from the Financial Conduct Authority (FCA) shows a 4.5 % reduction in savers moving to non‑bank platforms between November 2025 and March 2026.

Practical Tips for Savers Navigating the New NatWest Offerings

  1. Compare variable vs. fixed rates – Use an online calculator to project earnings over 6‑12 months.

  2. Leverage tiered rates – consolidate multiple NatWest accounts to push balances into higher‑rate tiers.

  3. Watch the Bank of England base rate – Variable rates will move in line with policy changes; set alerts for rate shifts.

  4. Utilise the “Green Saver” perk – If sustainability matters, this product adds an ethical bonus without sacrificing yield.

  5. Read the fine print on early withdrawals – Fixed‑term penalties can erode gains; consider a “savings ladder” to maintain liquidity.

Real‑World Example: A Customer’s Switch to NatWest High‑Yield Saver

  • Profile: Jane M., 38, freelance graphic designer, previously held a £25,000 instant‑access account with Monzo at 4.30 % APR.

  • Action: moved the full balance to NatWest High‑Yield Saver in December 2025.

  • Result: Projected annual interest rose from £1,075 (Monzo) to £1,187 (NatWest) – a £112 increase, plus access to the 5.10 % tier as the balance grew.

  • Feedback: Jane highlighted the “transparent dashboard” and “instant notifications” as key factors in her decision.

Benefits of NatWest’s Saver‑Centric Rebrand

  • Higher returns – Variable and fixed rates placed among the top three in the UK market.
  • Simplified banking – One‑stop shop for current,savings,and investment accounts,reducing the need for multiple platforms.
  • Digital innovation – AI‑driven recommendation engine suggests optimal savings products based on spend patterns.
  • regulatory confidence – As a “systemically significant bank,” NatWest adheres to FCA protection schemes, offering the full £85,000 deposit guarantee.

Regulatory and Risk Considerations

  • FCA scrutiny – Post‑rebrand product disclosures were reviewed in February 2026; no compliance issues flagged.
  • Liquidity risk – Higher variable rates could trigger rapid inflows/outflows; NatWest maintains a liquidity buffer of 12 % of total deposits, above the regulatory minimum.
  • Interest‑rate volatility – While current rates are attractive, a potential Bank of England rate cut could reduce variable returns; savers should consider mixed‑product strategies.

Summary of actionable Steps

  1. Audit existing savings accounts – Identify lower‑rate products to replace.
  2. Open a NatWest High‑Yield Saver – Transfer eligible balances to capture immediate rate uplift.
  3. Set up a fixed‑term tier – Allocate a portion of savings to the 12‑month fixed product for guaranteed returns.
  4. Monitor rate changes – Use NatWest’s mobile alerts to stay ahead of Bank of England moves.
  5. Rebalance annually – Review the portfolio each year to ensure optimal mix of liquidity and yield.

All data referenced is current as of January 2026 and sourced from publicly available financial statements, FCA disclosures, and the Bank of England’s Monetary Policy report.

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