Money Wellness

cost of living

Published 02 Mar 2026

2 min read

Rail commuters to save money after fare freeze

Rail passengers look set to make big savings following the first freeze on fares in 30 years.

Rail commuters to save money after fare freeze
James Glynn - Money Wellness

Written by: James Glynn

Senior financial content writer

Published: 2 March 2026

Rising ticket prices have long been a big issue for people who regularly travel by train, such as commuters.

In fact, government figures show train fares went up by 60% between 2010 and 2024, and transport costs now make up 14% of household spending.

Regulated rail fares were set to go up by 5.8% today.

But last year, the government confirmed that the price of season tickets, peak returns for commuters and off-peak returns between major cities would remain unchanged in 2026.

And that freeze has now come into effect.

What does this mean for rail passengers?

The government believes freezing fares for the next year will benefit millions of commuters, with some potentially saving hundreds of pounds.

For example, a commuter using flexi-season tickets to get to work three days a week could save:

  • £315 per year, travelling from Milton Keynes to London
  • £173 per year, travelling from Woking to London
  • £57 per year, travelling from Bradford to Leeds

“This freeze - the first since the 90s - will put more money in working people’s pockets,” said prime minister Sir Keir Starmer.

“Affordable, reliable transport links are the gateway to jobs, school and opportunities.

“So it’s not right that passengers are being priced out of the routes they should rely on because of endless hikes.”

How can I save money on train tickets?

If you travel by train and want to cut costs, or you’re put off using them because they’re too expensive, there are ways to find better deals.

Season ticket

If you travel regularly, you could save money by getting an annual season ticket.

Use National Rail’s season ticket calculator to find out more.

Split your journey

Two single tickets can sometimes be cheaper than a return ticket.

Check sites like TrainSplit or Split Your Ticket to cut the cost of your journey.

Get a railcard

A railcard gives you a third off ticket prices for about £30 a year.

There are options for families, retirees and students.

Book early

Try to book at least 12 weeks before travelling for the best deals.

Set alerts on Trainline for when advance tickets come up.

For no booking fees, check National Rail’s list for advance booking dates.

James Glynn - Money Wellness

Written by: James Glynn

Senior financial content writer

James has spent almost 20 years writing news articles, guides and features, with a strong focus on the legal and financial services sectors.

Published: 2 March 2026

The information in this post was correct at the time of publishing. Please check when it was written, as information can go out of date over time.

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James Glynn - Money Wellness

Written by: James Glynn

Senior financial content writer

Published: 2 March 2026

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