Short changed: Most banks are failing to pass on the full 0.25% base-rate rise
Britain's largest banks are cherry-picking which savers will get the full benefit of this month's base-rate rise.
At Santander, Lloyds and Halifax, some savers will see no rise at all, while others will benefit by just 0.15 points, rather than the full increase, from the start of next month.
NatWest has said the average rate will go up by 0.2 points, but fails to give exact details of by how much you will benefit.
Barclays is passing on 0.15 points to some savers and HSBC just 0.04 on its Flexible Saver, up from 0.01 per cent to 0.05 per cent.
Rachel Springall, finance expert from data monitors Moneyfacts, says: 'The big banks are carefully picking customers to whom they are prepared to offer the full rate rise.
'Some loyal savers will be disappointed.'
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Santander Everyday Saver goes up by a meagre 0.15 points to 0.25 per cent.
Instant Saver — its easy-access account where loyal savers often end up — rises by an even worse 0.09, putting the rate up from virtually nothing (0.01 per cent) to 0.1 per cent.
Its Isa Saver and Inheritance Isa savers, with £10,000 or more in their accounts, will see no rise at all from their current 0.5 per cent rate, while those with lower balances will get an increase from a miserly 0.1 per cent to 0.25 per cent.
With NatWest, some, including Savings Builder and Help to Buy Isa account holders, will see no rise either. They will continue to earn 1.5 per cent and 2 per cent respectively.
Its main easy-access account, Instant Saver, goes up just 0.1 points for some, and 0.25 points at best for others to 0.26 per cent.
But NatWest refuses to say who will get what.
All savers currently earn 0.01 per cent. In the past it has paid more to those with £50,000 in their account.
Lloyds Easy Saver and Halifax Everyday Saver go up just 0.15 points from 0.05 pc to 0.2 per cent.
Those in the Halifax Junior Isa (at 3 per cent), Lloyds Junior Isa (2.5 per cent), Halifax Young Saver (2 per cent), Lloyds Young Saver (2 per cent), Halifax Help to Buy Isa (2 per cent) and Lloyds Help to Buy Isa (1.5 per cent) will get nothing extra.
Loyal savers in Halifax Instant Saver, Halifax Instant Saver Isa, Lloyds Standard Saver and Lloyds Instant Cash Isa get 0.15 points to earn a below-base rate 0.2 per cent.
By contrast, Government-run National Savings & Investments (NS&I) is planning to pass on the full increase.
Direct Saver will go up to 0.95 per cent, Direct Isa and popular Income Bonds to 1 per cent, and the Investment Account to 0.7 per cent, all from December 1.
Some building societies, including the second and third largest, Coventry and Yorkshire, have also been quick to raise rates by the full 0.25 points.
Skipton will pay the extra 0.25 from December 5, but only to those in its accounts which are currently on sale. For those in older accounts, they will earn a minimum 0.5 per cent.
Most Nationwide savers will receive the full rise. But its Help to Buy Isa and Save to Buy Isa will continue to earn 2 per cent.
We are including the higher rates when they are announced in our independent best buy tables — but don't expect to earn them until next month.
Accounts with higher rates have been marked with a *.