Christmas is a wonderful time for many families but it can also be a very expensive time of year. Take control of your expenditure concerns by savings regularly into a Christmas Saver! Plus, if you need extra support, our affordable loans are here to help you during the holiday season.
With a little planning, you can make it a joyful and financially worry free time for you and your family. We make it easier to start saving for Christmas with our Christmas Saver Account. It’s simple to open an account via our app or by logging in to your online account.
In addition to saving, we offer flexible loan options to help cover any extra holiday costs. Plus, check out our savings tips to make your money work harder, so you can focus on what really matters this Christmas!
Start saving from January to maximise the funds available to withdraw to pay for Christmas. Our Christmas Savers accounts are locked from January 31st to October 31st each year. You can deposit funds into your account at any time!
Between October 31st & January 31st, you are able to withdraw any funds you have saved through out the year.
Want to save for Christmas without the stress? Start today and build your savings at your own pace. Here’s how it works:
1. Save £1 a day starting whenever you’re ready
It’s never too late to start! Even if you start in May, you can still make significant progress by Christmas.
2. Track your progress
Follow how much you’ll have saved by 31st October 2025 as this is when you can withdraw from your Christmas Saver.
| Start Date | Save £1 a Day | By 31st October 2025 |
|---|---|---|
| 1st March 2025 | £1 a day | £244 |
| 1st April 2025 | £1 a day | £213 |
| 1st May 2025 | £1 a day | £182 |
| 1st June 2025 | £1 a day | £151 |
| 1st July 2025 | £1 a day | £120 |
| 1st August 2025 | £1 a day | £89 |
| 1st September 2025 | £1 a day | £58 |
| 1st October 2025 | £1 a day | £27 |
Benefits of the Challenge
Setting aside a small amount each week or month can help spread the cost of Christmas and reduce the financial pressure when the festive season arrives.
| Save monthly | 6 months | 9 months | 12 months |
|---|---|---|---|
| £5 | £30 | £45 | £60 |
| £10 | £60 | £90 | £120 |
| £24 | £144 | £216 | £288 |
| £35 | £210 | £315 | £420 |
Check Out Preloved Christmas Items – Many charity shops and community groups offer second-hand Christmas decorations, toys, and clothing at a fraction of the cost. It’s also a great way to support sustainability!
Buy in Stages – Instead of making one big purchase, spread out your buying over the next few months. Start with gifts for close family members, then move on to stocking fillers and decorations.
Look for Discounts – Retailers often have sales or Black Friday deals on Christmas items in the months leading up to December. Shopping early means you can enjoy the savings before the December rush.
Consider a Christmas Loan – If you need a little extra help covering Christmas expenses, our affordable loans can provide support, giving you the flexibility to repay in manageable instalments.
