Best fix and fall energy tariffs UK (February 2026)

A UK-focused guide to “fix and fall” tariffs (also called price promise or tracker-with-cap style deals): what they are, who they suit, and how to compare them safely—before you switch.

  • Understand how “fix and fall” works (and what suppliers’ wording can mean)
  • Compare options by risk, exit fees, meter type and payment method—not just headline price
  • Get an estimated quote in minutes with whole-of-market comparison
Get your energy quote How to compare fix and fall

Figures are illustrative and will vary by region, meter type, payment method and supplier terms. Always check your tariff’s unit rates, standing charges and exit fees before switching.

Fast answer: what’s the best fix and fall tariff in February 2026?

There isn’t one single “best” fix and fall energy tariff for everyone in the UK—because the value depends on your region, meter type (credit, prepayment, smart), payment method (Direct Debit vs pay on receipt), usage, and the supplier’s exact “fall” promise.

Plain-English definition: A “fix and fall” tariff is usually a fixed deal that promises to reduce your unit rates (and sometimes standing charge) if the supplier’s equivalent tariff drops or if the market falls—but the triggers, timing and scope vary by provider.

Key takeaways (UK-specific)

  • Check what “fall” applies to: unit rates only, or standing charge too? Whole tariff or just electricity?
  • Look for caps and conditions: some only adjust once, some match “new customer rates”, some exclude certain regions or payment methods.
  • Exit fees can erase benefits: if you may move again soon, a no-exit-fee option can be safer.
  • Direct Debit is usually cheaper: many tariffs price higher for pay-on-receipt.
  • Smart and prepayment rules differ: not all “fix and fall” products are available for prepayment or Economy 7.

Compare fix and fall tariffs with whole-of-market quotes

If you want a fix and fall-style deal, the safest way to choose is to compare estimated annual cost alongside the contract details that change real outcomes: exit fees, eligibility, meter compatibility and how/when prices reduce.

What you’ll need

  • Postcode (UK region affects rates)
  • Email + phone (so we can send your quote and help if you want support)
  • Optional: approximate monthly spend or annual kWh from a bill for a tighter estimate

Tip: If you’re unsure which tariff you’re on, check your bill for “tariff name”, “payment method”, and whether you have Economy 7 or a prepayment meter. Those three details can change which fix and fall options you’re offered.

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How to compare fix and fall tariffs (without the marketing spin)

1) Confirm your meter + payment method

Credit, prepayment, smart, Economy 7—plus Direct Debit vs pay on receipt. Some products exclude certain setups.

2) Compare estimated annual cost

Look at unit rates + standing charge for gas and electricity. Standing charges vary significantly by region.

3) Read the “fall” clause carefully

Ask: what triggers a reduction, how often, and does it apply automatically or only on request?

4) Check exit fees and term length

Exit fees matter most if you might switch again within 3–9 months (e.g. prices fall fast or you move home).

5) Consider service and payment flexibility

Some tariffs require paperless billing, a smart meter, or monthly Direct Debit. Make sure it fits your household.

Fix and fall vs fixed vs tracker (quick comparison)

Use this table to decide which structure matches your risk tolerance. Names and features vary by supplier, so treat this as a practical checklist rather than a promise of how every tariff works.

Tariff type Price movement When it can work well Key watch-outs
Standard fixed Stays the same for the term You want certainty for budgeting Can become uncompetitive if prices fall; exit fees common
Fix and fall (price promise) Fixed, with a promise to reduce if criteria met You want fixed-style protection but don’t want to feel “stuck” if the market drops The reduction rules vary; may not include standing charge; may be time-limited or one-off
Tracker (often price-cap linked) Moves up/down by formula You can tolerate changes and want to benefit quickly if prices drop Bills can rise; some have exit fees; may not suit tight budgets
Standard Variable Tariff (SVT) Changes when supplier updates rates (often aligned to cap changes) You need flexibility / no commitment, or you’re waiting to choose a deal Usually not the cheapest option; can change with notice

Who fix and fall tariffs tend to suit

  • Households that want predictable bills but worry about locking in just before prices drop
  • People likely to stay put for 9–24 months (depending on term and exit fees)
  • Anyone happy to check the small print (or have an adviser do it) to confirm the “fall” mechanism

Who they may not suit

  • If you might move home soon and the tariff has exit fees
  • If you need maximum flexibility (consider SVT or a no-exit-fee tracker)
  • If you’re on prepayment and your options are limited—availability varies

Important: “Fix and fall” isn’t a regulated tariff category. Suppliers can use different names (price promise, price pledge, rate guarantee). Always confirm the exact terms in the tariff information label and contract.

Costs, exclusions and common pitfalls (UK reality check)

The details below are where households most often get caught out. If you’re comparing February 2026 fix and fall tariffs, use these as your “don’t miss” checks.

1) The “fall” may not include standing charges

Some promises only apply to unit rates. If your standing charge is high in your region, a “fall” that excludes it may have limited impact.

2) Timing can be delayed

Reductions may only happen at set review points (e.g. monthly/quarterly) or after a “qualifying” market move, not instantly.

3) Exit fees vs potential benefit

If the tariff charges exit fees, you’re paying for certainty. If prices drop sharply, exit fees can stop you moving to a cheaper deal.

4) Eligibility exclusions (meter + payment)

Some products are Direct Debit only, paperless only, or exclude Economy 7 / prepayment. Always check before applying.

Two realistic scenarios (illustrative numbers)

These examples show why “best” depends on your circumstances. They are not predictions. We use simplified assumptions so you can follow the logic.

Scenario A: family home, wants certainty
Assumptions: dual fuel; Direct Debit; typical usage 2,900 kWh electricity + 12,000 kWh gas per year; current SVT estimated £1,650/year. A fix and fall deal estimates £1,610/year with £100 total exit fees.
What to watch: If prices drift down slowly, the difference may be modest. If a meaningful drop arrives, the “fall” clause could help without switching again—but only if it applies automatically and includes the relevant rates.
Scenario B: renter likely to move, needs flexibility
Assumptions: electricity only; Direct Debit; 1,800 kWh/year; current tariff estimated £900/year. A fix and fall deal estimates £880/year but has a £75 exit fee.
What to watch: If you move in 4 months, an exit fee could wipe out the £20/year headline benefit. A no-exit-fee option (SVT or certain trackers/fixes) may be safer even if the initial estimate is slightly higher.

Quick “before you switch” checks

  • Are the unit rates and standing charges clearly stated for your region?
  • Does the “fall” promise mention how often rates can reduce and what triggers it?
  • Any exit fees, and are they per fuel or total?
  • Is it available for your meter type (smart, Economy 7, prepayment)?
  • Are there payment method conditions (Direct Debit required)?
  • Do you have any debt with your current supplier that could delay a switch?

If you’re in debt or on a prepayment meter: switching can still be possible, but there are extra rules and practical limits. If you’re unsure, get a quote and we’ll help you identify which tariff types you can actually move to.

FAQs: fix and fall tariffs (UK)

Are “fix and fall” tariffs regulated by Ofgem?

Not as a specific category. Ofgem regulates how suppliers treat customers and present information, but “fix and fall” is a marketing label. Always check the tariff information and contract terms.

Will my prices definitely go down if the price cap drops?

Not necessarily. Some deals reduce if the supplier’s equivalent tariff falls; others reference wider changes; some reduce only once, or only after a set time. The price cap affects SVTs, but fixed tariffs don’t automatically follow it unless the contract says so.

Do fix and fall deals usually have exit fees?

Often, yes—because you’re getting fixed-style protection. Exit fees can be per fuel (gas + electricity) or a single combined fee. Always confirm the amount and when it applies (some waive fees near the end of the term).

Can I get a fix and fall tariff with a prepayment meter?

Sometimes, but options can be limited and vary by supplier and region. If you’re on traditional prepayment, you may see fewer fixed deals. Smart prepayment can broaden eligibility, but it depends on the supplier.

Do Economy 7 / multi-rate meters change the “best” option?

Yes. Economy 7 has separate day/night rates, so you need a tariff that prices both appropriately for your usage pattern. A cheap single-rate fix and fall tariff may be poor value if you rely on off-peak heating.

Is Direct Debit always the cheapest way to pay?

Often, but not always. Many suppliers price lower for monthly Direct Debit, while pay-on-receipt can cost more. If cashflow is an issue, compare the total estimated annual cost for both payment methods.

How long does switching take in the UK?

Switch times vary. Many switches complete within a few working days, but it can take longer if there are meter issues, address mismatches, or debt processes. You’ll still have energy throughout—only the billing changes.

What if I’m renting—can I switch?

Usually yes, if you pay the energy bills and your contract doesn’t include energy as part of the rent. If bills are included or you have a landlord-supplied arrangement, you may not be able to choose the supplier.

How we assess “best” fix and fall tariffs (methodology)

We treat “best” as the tariff structure that is most likely to satisfy a household’s needs once real-world terms are included—not just the lowest headline unit rate on day one.

Our comparison inputs

  • Postcode region (distribution area affects standing charges and unit rates)
  • Meter type (single-rate, Economy 7, smart, prepayment)
  • Payment method (monthly Direct Debit vs alternative)
  • Estimated consumption (from user input or typical-use examples)

What we look for in “fix and fall” terms

  • Whether the reduction is automatic or requires action
  • Whether it applies to unit rates, standing charges, or both
  • How often reductions can occur (e.g. once, multiple times, at review points)
  • Exit fees, length, and any cooling-off conditions

Limitations: We can’t guarantee future market movements or how quickly suppliers will adjust products. Quotes are estimates based on today’s available tariffs and the information provided. Always read the tariff information label and contract summary before confirming a switch.

Page accountability

Sources (UK)

We also use publicly available tariff information provided by suppliers and industry-standard consumption benchmarks when users don’t provide usage.

Ready to compare February 2026 fix and fall tariffs?

Get an estimated quote based on your postcode, meter type and payment method—then review exit fees and the “fall” rules before you decide.

Get your energy quote Re-read key takeaways

No savings guaranteed. Quotes are estimates and tariffs may change. Always confirm rates and contract terms before switching.

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Updated on 24 Feb 2026