**TLDR: Yes — you probably need to do something if you want to avoid paying more.**

- You’re on **Fixed Saver 24**. It ends on **31 Dec 2026**.
- If you do nothing by **28 Nov 2026**, you’ll be moved automatically to the **Standard Variable tariff**.
- That would be more expensive: **34.1p per kWh** vs your current **24.6p per kWh**.
- To stay on a fixed price, choose **Fixed Saver 27** in your online account/app before **28 Nov 2026**.
- The Terms & Conditions changes from Jan 2027 are mostly admin stuff — no action needed.

So: **switch to Fixed Saver 27 before 28 Nov 2026** unless you’re happy with paying more.