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2026 spending trends: Consumers splash out on holidays, concerts and wellness but rising costs put 'big purchases' on ice
- Holidays, festivals, concerts and wellness top the 2026 list as Brits swap big-ticket buys for memorable moments
- Over a quarter put off ‘big’ purchases such as a car or large-scale renovations and 15% are worried about unexpected expenses
- Eating out and fashion take a hit as households cut non-essentials and turn to second-hand shopping and home cooking
Cash usage rises for fourth year as Brits continue to value money in their pockets
- Cash withdrawn from branch ATMs hit £4.2bn in 2025, surpassing 2017 high of £4bn
- Cash usage rises for fourth year in a row - nearly 35m withdrawals made from Nationwide ATMs(1)
- 13% of Brits – equivalent to 7m – say paying in cash makes saving easier, Nationwide poll shows(2)
- Withdrawals by non-customers up 6% - highlighting impact of bank branch and ATM closures
- Nationwide ATMs in East Anglia and Essex, The Shires and South London see biggest rises in withdrawals
2026 savings trends: Brits hope to save £7.5k on average, one in ten won’t save a penny and younger adults aim high despite stress
- Four in ten (43%) will maintain their savings in 2026, with 14% aiming to save up to £2,000
- Almost half of Millennials (49%) plan five‑figure savings (£10k+), but most feel stressed saving (69%)
- Emergency funds (43%), holidays (36%), retirement (23%) amongst top reasons to save in 2026
- 62% of 25-34s would consider social media trends like ‘loud budgeting’ and ‘100 envelopes’
Nationwide makes further rate cuts across mortgage range
- Rate reductions of up to 0.21 percentage points for new and existing customers
- These latest changes follow on from the wide-ranging mortgage rate cuts made at the end of last week
- First-time buyers, home movers and those looking to remortgage or switch again benefit from these cuts
- Nationwide’s lowest rate now 3.58% for new and existing customers looking to move home
Nationwide predicts over 12 million transactions on Black Friday, despite curbs in consumer spending
- Nationwide predicts more than 260m transactions across November leading up to Black Friday and Cyber Monday, as consumers expected to spend £123 on average
- 38% of consumers do not plan to buy anything in the sales as they curb spending
- Younger consumers aged 25-34 are expected to spend the most across Black Friday, around £255 per person
- Surprising items at the top of wish-lists include vinyl record players, F1 merchandise and Funko Pops and Wayfair reveals increased searches for airfryers and coffee machines
Latest news
12 Jan 2026
Nationwide launches new ‘Call Checker’ as Brits lose confidence due to scam calls
- Nearly 6 in 10 (57%) say suspicious calls are getting more frequent, receiving 8 a month on average(1)
- Impersonation scams account for 17 per cent of all scams reported at Nationwide during 2024 and 2025, with those aged 65-plus disproportionately affected (55%)(2)
- New Call Checker feature confirms callers are speaking to Nationwide and builds on its existing Scam Checker service, used by 100k people, preventing £300k a month
- Just under 3 in 10 (28%) have received a scam call, rising to 44 per cent of those aged 25-34
- Self-confidence low as 28 per cent aren’t confident spotting a genuine call from their bank or building society
- 25% of younger people (25-34) would call back an unknown number – a risky move scammers rely on
08 Jan 2026
2026 spending trends: Consumers splash out on holidays, concerts and wellness but rising costs put 'big purchases' on ice
- Holidays, festivals, concerts and wellness top the 2026 list as Brits swap big-ticket buys for memorable moments
- Over a quarter put off ‘big’ purchases such as a car or large-scale renovations and 15% are worried about unexpected expenses
- Eating out and fashion take a hit as households cut non-essentials and turn to second-hand shopping and home cooking
05 Jan 2026
Cash usage rises for fourth year as Brits continue to value money in their pockets
- Cash withdrawn from branch ATMs hit £4.2bn in 2025, surpassing 2017 high of £4bn
- Cash usage rises for fourth year in a row - nearly 35m withdrawals made from Nationwide ATMs(1)
- 13% of Brits – equivalent to 7m – say paying in cash makes saving easier, Nationwide poll shows(2)
- Withdrawals by non-customers up 6% - highlighting impact of bank branch and ATM closures
- Nationwide ATMs in East Anglia and Essex, The Shires and South London see biggest rises in withdrawals
