FCA update on cash savings - December 2023

The FCA updates on progress in the cash savings market since it published its review in July 2023.

In July the FCA published a review of the cash savings market, setting out an action plan to ensure that banks and building societies are:

* passing on interest rate rises to savers appropriately
* communicating with customers much more effectively
* offering better savings rate deals to customers

The FCA committed to monitoring relevant firm and market statistics, linked to the outcomes it wants to see on cash savings. This update sets out how the market has developed since then, as well as where firms need to continue to make progress towards the consumer outcomes it expects. It expects to see continued improvements from firms.

自2023年7月发布审查报告以来，英国金融市场行为监管局（FCA）对现金储蓄市场进展的更新。在7月，FCA发布了关于现金储蓄市场的审查报告，并制定了行动计划，以确保银行和互助储蓄合作社能够：
* 适当地将利率上涨转嫁给储户
* 与客户进行更为有效的沟通
* 向客户提供更优的储蓄利率方案
FCA承诺将持续监测相关企业及市场统计数据，这些数据与FCA期望在现金储蓄领域看到的成果相关。本更新概述了自那时以来市场的演变情况，以及企业在实现FCA期望的消费成果方面需要继续努力的方向。FCA期望企业能够持续改进。