The £2.2bn Switch

UK card spend fell 1.2% in H1 2026, the first drop in four years, but shoppers didn't stop spending. Cheaper utility bills (energy and broadband) handed £2.2bn back to households, and 60p of every £1 saved went straight back out into retail, grocery and everyday treats. See where the money went across 7 sectors, and what it means for your peak season.