**TL;DR:** No, you don't have to do anything yet—but if you want to stay on a fixed-rate tariff, you should switch to "Fixed Saver 27" in your online account **before November 28, 2026**, or your account will automatically upgrade to Standard Variable. Otherwise, you get the automatic switch on December 31, 2026. 

*(Note: The updated Terms and Conditions also take effect on Jan 1, 2027, but don't require any action from you).*