Currencies March 12, 2026

Markets Appear to Overestimate Bank of England Hawkishness, ING Says

EUR/GBP remains linked to oil moves as traders push back on expected BoE easing amid Middle East tensions

By Nina Shah
Markets Appear to Overestimate Bank of England Hawkishness, ING Says

ING warns that currency markets have become overly hawkish on Bank of England policy, with EUR/GBP closely tied to oil prices. Market pricing has driven two-year sterling swap rates up 50 basis points since the Iran-related conflict began, and ING says further sterling strength would be stretched unless traders start to price in a BoE rate rise. UBS, meanwhile, retains a bearish stance on sterling and has set lower targets for GBP/USD and EUR/GBP amid energy market risks.

Key Points

  • ING sees a strong negative correlation between EUR/GBP and oil prices, driven by views that the UK faces larger inflationary pressure and that BoE policy will be more sensitive to energy costs.
  • Market pricing has pushed the two-year GBP swap rate up about 50 basis points since the Iran conflict began, with current expectations implying no BoE rate changes by year-end.
  • UBS retains a bearish stance on sterling, targeting 0.89 for EUR/GBP by end-Q2 and 1.31 for GBP/USD, and views near-term risks to sterling as heavily skewed to the downside.

Overview

Currencies markets are reflecting a strong link between EUR/GBP and oil prices, a relationship that ING attributes to the perception that the United Kingdom is carrying a larger inflation burden and that Bank of England policy will be more sensitive to energy price movements. ING cautions that market positioning has moved to a point where it is effectively pricing out the prospect of BoE easing too aggressively.

Market moves and valuation signals

ING highlights that the two-year GBP swap rate has risen by 50 basis points since the Iran conflict began. Despite that rise, market pricing currently implies no further rate changes from the BoE before year-end. ING notes that if geopolitical tensions were to ease, such positive de-escalation surprises would carry meaningful upside risk for EUR/GBP.

The bank's valuation work suggests that a move in EUR/GBP below 0.860 would be stretched unless market participants begin to seriously price in a BoE rate hike. That assessment frames ING's caution about how far sterling can strengthen given current fundamentals and market expectations.

Intraday levels and recent drivers

At 12:09 GMT, the euro inched higher versus the British pound, with EUR/GBP quoted at 0.8629, up 0.05%. At the same time, the pound slid against the U.S. dollar, with GBP/USD at 1.3392, down 0.15%. The pound's weakness coincided with a rise in oil prices back above $100 per barrel after Iran attacked tanker ships, prompting renewed concern about potential supply disruption in the region.

UBS outlook on sterling

UBS strategists continue to sit on a bearish view of the British pound. The bank's targets include 0.89 for EUR/GBP by the end of the second quarter and 1.31 for GBP/USD over the same horizon. UBS attributes these targets to risks stemming from the Middle East conflict and its knock-on effects for energy markets.

In a note issued on Wednesday, UBS said the near-term risks for sterling are heavily skewed to the downside. The bank also observed that its first-quarter target of 0.88 for EUR/GBP may be difficult to reach with three weeks remaining in the quarter. UBS's GBP/USD path is set at 1.33 by the end of the first quarter and 1.31 at the end of the second quarter, figures that align with its updated EUR/USD forecasts of 1.16 for both periods.


Implications

These assessments from ING and UBS underline the influence of energy price moves and geopolitical developments on currency valuation and market expectations of central bank behaviour. The interplay between oil, inflation expectations in the UK, and swap rate moves is central to how traders are positioning around sterling and euro crosses.

Risks

  • Escalation of the Middle East conflict could keep oil prices elevated and exert further downward pressure on sterling, affecting currency markets and energy-exposed sectors.
  • Market expectations around Bank of England policy could be misaligned with fundamentals; if markets begin to price a BoE rate hike, valuation metrics for EUR/GBP could change markedly.
  • Short-term volatility in swap rates and FX crosses driven by geopolitical headlines may create uncertainty for financial institutions, corporate hedging programmes, and funding costs.

More from Currencies

UBS Sees Sterling Under Pressure as Middle East Conflict Risks Fan Energy Concerns Mar 12, 2026 Asian Currencies Slip as Iran Conflict Pushes Oil Higher and Boosts Dollar Mar 12, 2026 EUR/GBP Vulnerable to Upward Correction as Oil Slides Below $90 Mar 11, 2026 Singapore dollar holds up as Asian currencies slide amid Iran-related tensions Mar 11, 2026 Asia FX subdued as Iran tensions and U.S. data watch keep traders cautious; Aussie leads gains Mar 10, 2026