EV Energy Tariffs Explained 2026: Complete UK Guide to Cheap Home Charging
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Charging an electric car at home is already cheaper than running a petrol or diesel vehicle for most UK drivers. But choosing the right electricity tariff can reduce costs even further.
EV energy tariffs are designed specifically for electric vehicle (EV) drivers. By shifting charging to quieter times on the grid (usually overnight), these tariffs can reduce home charging costs by 60-75% compared to standard electricity rates. As of late 2025 and into 2026, leading UK EV tariffs typically offer off-peak rates from around 7p per kWh, compared with 24–29p per kWh on standard variable tariffs.
This guide explains how EV energy tariffs work, the different types available, how much you could save, and how combining an EV tariff with The Electric Car Scheme’s Charge Scheme can reduce charging costs even further through salary sacrifice.
What Is An EV Energy Tariff?
An EV energy tariff is an electricity plan specifically designed to make charging an electric vehicle at home more affordable and efficient. These tariffs offer lower electricity prices at specific times of day, usually overnight, when demand on the national grid is lower.
How Do EV Tariffs Differ From Standard Electricity Tariffs?
Standard electricity tariffs charge the same unit rate for electricity regardless of when it is used. EV tariffs introduce time-of-use pricing, meaning electricity costs vary depending on the time of day.
Typical examples:
Standard tariff: ~28p/kWh all day
EV tariff: ~7p/kWh off-peak, ~30–35p/kWh peak
This structure encourages EV drivers to charge when electricity is cheaper and, in many cases, greener.
What Are The Different Types Of EV Energy Tariffs?
Two-Rate (Time-Of-Use) Tariffs Explained
Two-rate tariffs apply different electricity prices to your entire home, depending on the time of day.
Advantages
Cheap overnight electricity for all household usage
Ideal for EV charging and running appliances overnight
Smart charger recommended, but not always required
Considerations
Higher peak rates apply to all electricity use during the day
Add-On EV Tariffs Explained
Add-on tariffs provide discounted electricity only for EV charging, while the rest of your household electricity stays on your existing tariff.
Advantages
Predictable household electricity bills
Cheap EV charging without changing your main tariff
Considerations
Requires a compatible smart charger
Only benefits EV charging, not other appliances
Fixed Vs Variable EV Tariffs
Fixed EV tariffs lock in rates for a set period (typically 12–24 months), offering cost certainty
Variable EV tariffs change with the market, offering flexibility but less price stability
Most EV drivers prefer fixed tariffs to help with budgeting.
Which Type Of EV Tariff Is Best For Me?
High overnight household electricity use: Two-rate tariff
EV-only savings: Add-on tariff
Solar panels or home battery: Consider tariffs designed to integrate import and export pricing
How Do EV Energy Tariffs Work In Practice?
What Equipment Do I Need For An EV Tariff?
Most EV tariffs require:
A smart meter (usually SMETS2)
For add-on tariffs, a compatible smart charger
The aim in the UK is for 74.5% of applicable households to have a smart meter by the end of 2025. What makes this easier is that installations are typically free through energy suppliers.
How Does Smart Charging Optimise My Costs?
Smart charging allows your energy supplier or charger to:
Automatically charge during the cheapest periods
Reduce overall strain on the electricity network
You simply set when your car needs to be ready, and the system manages the charging schedule.
Can I Use My EV Tariff For Other Appliances?
Two-rate tariffs: Yes, all electricity benefits from off-peak rates
Add-on tariffs: No, only EV charging receives the discounted rate
How Much Can I Save With An EV Energy Tariff?
EV Tariff Vs Standard Tariff Cost Comparison
Assumptions:
60kWh battery
Charging from 20–80% (36kWh)
Three charges per week
| Tariff type | Weekly cost | Annual cost |
|---|---|---|
| Standard tariff (28p/kWh) | £10 | £524 |
| EV tariff (7p/kWh) | £3 | £131 |
Annual saving: ~£393 (around 75%)
Annual Savings For A Typical UK Driver
For a driver covering around 10,000 miles per year, switching from a standard tariff to an EV tariff can reduce annual home charging costs by £350–£400, depending on vehicle efficiency and charging habits.
How The Charge Scheme Increases Savings Further
The Charge Scheme allows eligible employees to salary sacrifice home and public EV charging costs, meaning those costs are paid from gross salary before tax.
For a 40% taxpayer:
EV tariff rate: 7p/kWh
Effective rate after salary sacrifice: ~4.9p/kWh
This can reduce annual home charging costs to around £92 per year.
What Are The Best EV Energy Tariffs in The UK For 2026?
The EV tariff market continues to evolve. As of late 2025 and early 2026, commonly available options include:
| Tariff name | Provider | Typical off-peak rate | Off-peak access | Smart meter | Smart charger | Best for |
|---|---|---|---|---|---|---|
| Intelligent Go | Octopus Energy | ~7p/kWh | Intelligent scheduling | Yes | Yes | Lowest off-peak costs |
| Charge Anytime | OVO Energy | ~7p/kWh | EV-only add-on | Yes | Yes | EV-only charging |
| GoElectric 35 | EDF Energy | Variable | 35 hours/week | Yes | Optional | Flexible charging |
| Electric Driver | British Gas | Discounted | Overnight | Yes | Optional | Simplicity |
| EV Smart | Scottish Power | Variable | App-based | Yes | Yes | App-managed charging |
| Next Drive | E.ON Next | TOU rates | Overnight | Yes | Optional | Fixed pricing |
Key Considerations
The lowest unit rate does not always mean the lowest overall bill
Standing charges and peak rates should always be reviewed
Availability can vary by region and charger compatibility
Are EV Energy Tariffs Worth It?
Cost Savings Analysis
For most drivers who charge at home overnight, EV tariffs offer significant savings compared to standard electricity tariffs.
Image source: Shutterstock
Environmental Benefits
Off-peak charging often aligns with lower-carbon electricity generation, supporting grid stability.
Convenience
Smart charging reduces the need for manual scheduling and means your car is ready when you need it.
Potential Drawbacks of EV Tariffs
Higher peak rates if charging outside of off-peak windows
Less flexibility for daytime charging
Do I Need A Smart Meter And Smart Charger For EV Tariffs?
Smart Meter Requirements Explained
Most EV tariffs require a smart meter to measure electricity use by time of day. Installations are typically free.
Compatible Smart Charger Requirements
Add-on and intelligent tariffs usually require a charger that can communicate with the energy supplier.
Can I Get An EV Tariff Without These?
Some basic two-rate tariffs may work without a smart charger, but the lowest rates usually require smart equipment.
How To Get The Most Out Of Your EV Tariff
Image source: Shutterstock
Optimal Charging Schedule Strategies
Set your car to charge fully during off-peak windows wherever possible.
Combining EV Tariffs With Solar Panels
Solar can cover daytime charging, while EV tariffs provide cheap overnight backup.
Using Vehicle-To-Grid (V2G) Technology
Vehicle-to-grid is an emerging technology that may allow EVs to export energy back to the grid in the future.
Winter Vs Summer Charging Considerations
Cold weather increases energy use, making off-peak charging even more valuable in winter.
The Charge Scheme: Salary Sacrifice For EV Charging
What is The Charge Scheme?
The Charge Scheme allows employees to salary sacrifice EV charging costs, including:
Home charging
Public charging
How Does Salary Sacrifice Work For Charging Costs?
Charging costs are deducted from gross salary, reducing income tax and National Insurance.
Combining EV Tariffs With The Charge Scheme
An EV tariff reduces the electricity price. The Charge Scheme then reduces the cost you pay for that electricity through tax savings.
Real-World Savings Example
| Real-World Savings Example | Annual Cost | Saving vs Standard |
|---|---|---|
| Scenario 1: Standard Tariff Only | £524 | |
| Scenario 2: EV Tariff | £131 | £432 |
| Scenario 3: EV Tariff + Charge Scheme | £92 | £432 |
Scenario 4: EV Tariff + Charge Scheme + Public Charging
Total annual saving: £600–£900, depending on usage and tax band
How To Switch To An EV Energy Tariff
Check smart meter status
Review charging habits
Compare EV tariffs
Confirm charger compatibility
Switch online (usually 30–60 days)
Always make sure to review contract length and exit fees before switching.
Frequently Asked Questions About EV Tariffs
Q: What is the cheapest EV energy tariff in the UK for 2026?
Several tariffs offer off-peak rates around 7p/kWh, but the cheapest option depends on your usage pattern.
Q: Can I use an EV tariff if I don’t have an electric car yet?
Some suppliers allow switching if an EV is on order.
Q: Do I need a smart meter for all EV tariffs?
Most EV tariffs require one.
Q: What’s the difference between an EV tariff and Economy 7?
EV tariffs are more flexible and usually cheaper than traditional Economy 7.
Q: Can I use The Charge Scheme with any EV tariff?
Yes, you can use The Charge Scheme with any EV tariff.
Q: Will my whole house be affected by an EV tariff?
Your whole house will only be affected by an EV tariff if you choose a two-rate tariffs.
Q: How much notice is needed to switch?
Typically 30–60 days.
Q: Can I combine EV tariffs with solar panels?
Yes, often very effectively.
Q: What happens if I charge during peak hours?
You’ll pay the peak rate, but occasional use won’t usually negate savings.
Q: Are EV tariffs affected by the price cap?
Standing charges for EV tariffs are usually affected by a price cap; off-peak rates often sit below it.
Q: How do I check charger compatibility?
Check for smart or OCPP compatibility in the charger specifications.
Q: Can I combine EV tariffs with workplace charging?
Yes, many drivers use a mix of home and workplace charging.
EV energy tariffs can make a meaningful difference to the cost of running an electric car. By charging at off-peak times, many drivers can reduce home charging costs by up to 75% compared to standard electricity tariffs, while also supporting a more balanced and lower-carbon energy system.
Choosing the right tariff depends on how and when you charge, the equipment you have at home, and whether you can take advantage of smart charging. For eligible employees, combining an EV tariff with The Charge Scheme can unlock additional savings through salary sacrifice, further reducing the cost of both home and public charging.
With the right setup in place, EV charging in 2026 can be simple, affordable, and predictable, making the switch to electric an easier and more confident decision.
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Last updated: 22/12/2025
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