**YES. You need to log in and pick "Fixed Saver 27" before 28 Nov 2026.**

**Why:**
*   **Your cheap fix ends 31 Dec 2026** (24.6p/kWh).
*   **If you do nothing:** You auto-move to a **Standard Variable Tariff on 28 Nov 2026** costing **34.1p/kWh** (+ 61.2p/day standing charge). **That is ~38% more expensive.**
*   **To keep a fixed price:** Select **Fixed Saver 27** in your app/online account.

**The T&Cs update (1 Jan 2027)** is just admin stuff (meter reads, complaints, emails)—no action needed there.