Key policy rates, government bond yields, credit spreads, currencies and inflation for UK & European insurance investors — drawn from official, keyless sources and refreshed daily.
Last updated 28 Jul 2026, 13:18 BST
Policy Rates
BoE Bank Rate
3.75%
0 bp· 1 day
18 Mar27 Jul
1D0 bp
1M0 bp
1Y▼−50 bp
3Y▼−125 bp
as at 27 Jul 2026
SONIA
3.7307%
0 bp· 1 day
17 Mar24 Jul
1D0 bp
1M0 bp
1Y▼−49 bp
3Y▼−120 bp
as at 24 Jul 2026
Fed Funds (effective)
3.63%
0 bp· 1 day
26 Apr24 Jul
1D0 bp
1M0 bp
1Y▼−70 bp
3Y▼−145 bp
as at 24 Jul 2026
ECB Deposit Rate
Temporarily unavailable
Government Bond Yields
UK 10-Year Gilt
5.10%
▼−7 bp· 1 day
17 Mar24 Jul
1D▼−7 bp
1M▲+36 bp
1Y▲+43 bp
3Y▲+93 bp
as at 24 Jul 2026
UK 20-Year Gilt
5.77%
▼−6 bp· 1 day
17 Mar24 Jul
1D▼−6 bp
1M▲+35 bp
1Y▲+27 bp
3Y▲+132 bp
as at 24 Jul 2026 · 20y (long-dated)
US 10-Year Treasury
4.69%
▼−2 bp· 1 day
18 Mar24 Jul
1D▼−2 bp
1M▲+28 bp
1Y▲+26 bp
3Y▲+83 bp
as at 24 Jul 2026
US 30-Year Treasury
5.16%
▼−1 bp· 1 day
18 Mar24 Jul
1D▼−1 bp
1M▲+30 bp
1Y▲+20 bp
3Y▲+124 bp
as at 24 Jul 2026
Euro AAA 10-Year
Temporarily unavailable
Credit Spreads
US Investment Grade OAS
80 bps
▲+1 bps· 1 day
24 Mar24 Jul
1D▲+1 bps
1M▲+5 bps
1Y▲+1 bps
3Y—
as at 24 Jul 2026
US High Yield OAS
279 bps
▲+2 bps· 1 day
24 Mar24 Jul
1D▲+2 bps
1M▲+3 bps
1Y▼−3 bps
3Y—
as at 24 Jul 2026
Euro High Yield OAS
256 bps
▲+6 bps· 1 day
24 Mar24 Jul
1D▲+6 bps
1M▼−9 bps
1Y▼−26 bps
3Y—
as at 24 Jul 2026
Currencies
GBP / USD
1.3317
▼−0.05%· 1 day
19 Mar27 Jul
1D▼−0.05%
1M▲+0.75%
1Y▼−0.83%
3Y▲+2.81%
as at 27 Jul 2026
GBP / EUR
1.1693
▼−0.15%· 1 day
19 Mar27 Jul
1D▼−0.15%
1M▲+0.85%
1Y▲+1.48%
3Y▲+0.43%
as at 27 Jul 2026
EUR / USD
1.1389
▲+0.10%· 1 day
19 Mar27 Jul
1D▲+0.10%
1M▼−0.10%
1Y▼−2.28%
3Y▲+2.37%
as at 27 Jul 2026
Inflation
UK CPI (YoY)
2.6%
▼−0.2 pp· 1 month
Jul 24Jun 26
1M▼−0.2 pp
1Y▼−1.0 pp
3Y▼−5.3 pp
as at Jun 2026
US CPI (YoY)
3.7%
▼−0.5 pp· 1 month
Jun 24Jun 26
1M▼−0.5 pp
1Y▲+1.0 pp
3Y▲+0.7 pp
as at 01 Jun 2026
Euro-area HICP (YoY)
2.0%
▼−0.1 pp· 1 month
Jan 24Dec 25
1M▼−0.1 pp
1Y▼−0.4 pp
3Y▼−7.2 pp
as at Dec 2025
Solvency II
EIOPA Symmetric Adjustment
+8.94%
Equity dampener applied to the Solvency II standard-formula equity charge.
as at Jun 2026 · EIOPA
UK Pension Risk Transfer
UK BPA Volume (YTD)
~£18bn
Estimated UK bulk purchase annuity volume, year to date
