Christmas savings schemes: boost your supermarket spending 

Asda, Morrisons, Tesco, Sainsbury’s, Iceland and Co-op all supply Christmas schemes, and there’s a trick to get the bonus with out risking your money

The concept behind these grocery store financial savings schemes is to assist folks step by step save up some cash that can be utilized at Christmas when meals payments are often greater.

As an incentive, some supermarkets supply a small bonus, usually between 2% and 6%. However you possibly can reap the benefits of a loophole the place you may get the total bonus paid out, but you’d solely have to “save” your money for a day or two.

Right here’s how they work, and get the perfect return attainable.

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Why I’m not a fan of Christmas saving stamps

First, these are marketed as options to saving at a financial institution. Effectively, any cash held in a financial institution is protected if the financial institution goes bust. If these supermarkets had been to go beneath otherwise you misplaced the present card or voucher as soon as it’s been paid out, you’d lose all of your cash.

You’ve additionally received much less flexibility of how, when and the place you spend your financial savings through these schemes. They have a tendency to require you to spend your stamps in December, and clearly you possibly can solely spend them at one retailer.

Not solely does that limit the grocery store you utilize, however if in case you have an emergency you possibly can’t use the cash you set into stamps for another motive. You may also not get change out of your vouchers, pushing you to purchase stuff you don’t have to hit the voucher worth.

There are different choices for individuals who wish to save often within the build-up to Christmas, with banks and constructing societies at the moment paying charges of as much as 6%. You can find the best rates in our summary.

So usually I’d say keep clear. However there’s a trick the place you possibly can keep away from many of the pitfalls however achieve the free bonus.

Getting essentially the most out of Christmas bonus schemes

Right here’s the money hack. The bonus on these playing cards isn’t paid till a set bonus day. So it’s solely the quantity saved on that date that counts. Plus there’s no requirement to avoid wasting every week or month to make use of these schemes.

This implies you possibly can as a substitute pay in as a lot as you possibly can (as much as the set limits) simply earlier than the scheme closes. Actually on the ultimate day if you’d like.

Say you set in £120. You’ll then be entitled to the identical bonus as somebody who’s saved £10 a month since final Christmas.

Till you do that, you ought to be paying your cash right into a high-paying current account. So that you’ll have earnt cash in these accounts too. Double win!

However simply ensure you’re conscious of the dangers and limitations with every card, comparable to deadlines to spend the cash in your grocery store Christmas card.

The Christmas saver schemes

We’ve defined every of the primary schemes and their deadlines beneath. However earlier than you do that trick out your self, do ensure you can spend the quantity you save at that grocery store within the time given.

We’re speaking about small quantities of cash except you purchase a number of playing cards. So it’s solely definitely worth the effort in case you are buying at these retailers anyway.

Asda Christmas Financial savings Card 2025

You’ll be able to gather your card in-store, after which register it online.

The deadline so as to add funds onto an Asda Christmas Financial savings Card is 5pm Sunday, 9 November 2025. The bonus will probably be utilized by 9am on Monday 11 November.

The bonus will increase the extra you save

• £1 bonus whenever you save between £30 and £79
• £3 bonus whenever you save between £80 and £129
• £6 bonus whenever you save between £130 and £179
• £9 bonus whenever you save between £180 and £229
• £12 bonus whenever you save between £230 and £279
• £15 bonus whenever you save £280 or extra (max quantity per card)

With this and all the opposite schemes, these financial savings will not be cumulative. So put £80 on the cardboard and also you’ll solely get £3, not £1 for the primary £70 and one other £3 for getting over the £80 threshold.

Nonetheless, you don’t have to put the cash down step by step – you are able to do it in lump sums. We’ve discovered which you can put as much as £140 in at a time, so you can also make two funds to get the total quantity out there.

The simplest method to do that is to maintain your money in a financial savings account, after which pay no matter you possibly can afford by 9 November to earn the bonus.

With the very best degree (£280) it’s the equal of 5.3% further free. In the event you solely save £79 it’s 1.25% further.

There’s no restrict to what number of playing cards you possibly can have. This may very well be helpful should you’re in need of hitting the underside of a brand new degree. For instance, it’s higher to have two £30 playing cards than one with £60.

Additionally you should utilize all of them yr spherical, not simply in December.

BEST VALUE: £280 earns £15 = 5.3% bonus

Asda Rewards Cashpot 2025

Asda has a further Christmas financial savings scheme for Asda Rewards members.

The Christmas Saver Cashpot is a characteristic within the Rewards app that works by permitting you to switch cash earned out of your common Asda Cashpot to the Christmas Saver Cashpot. The utmost quantity you possibly can switch is £300 in whole.

There are generally methods to get further bonuses into your cashpot, you’ll discover these on the homepage after they come alongside.

You’ll be able to switch cash into your Christmas Saver Cashpot till 20 November 2025, and you may convert your Christmas Saver Cashpot into vouchers to spend at Asda, in-store or on-line, from 27 November till 31 December 2025, after which they may expire.

Get the perfect of our cash saving content material each Monday & Thursday, straight to your inbox

Plus an unique £20 welcome bonus for brand spanking new Quidco members (Phrases apply)

Co-op Saving Stamps 2025

You purchase precise bodily stamps with the Co-op scheme. Every stamp prices £1 and you set them in a booklet which you should utilize on the until everytime you need.

However to get a bonus (£2) it is advisable to have crammed a full ebook, which is 48 stamps. Hand this over on the until and also you’ll get £50 knocked off your invoice. That’s the equal of 4% further. This bonus is barely out there in December, although you should utilize and purchase the stamps each month of the yr.

There’s no restrict to the variety of playing cards you possibly can have, so you possibly can have a number of playing cards so as to add stamps to. However ensure you don’t lose your playing cards as there’s no safety.

So the most suitable choice right here is to purchase 48 stamps simply earlier than you wish to store. Stick all of them in, then hand it over. As with Morrisons, you will want to spend the total quantity. In order that’s a store of £50 or extra.

BEST VALUE: £48 earns £2 = 4% bonus

Iceland Bonus Card Christmas increase 2025

This scheme from Iceland runs all yr so it isn’t technically a Christmas scheme, however the loophole works the identical. You get £1 for each £20 you add to your account, value 5%. The bonus must be added inside 48 hours.

As soon as once more this yr, the Christmas bonus is accessible in case you are invited to participate by electronic mail. In the event you hit the financial savings goal of £100 by 4 November, you’ll get a £10 Christmas bonus on high of the usual bonus. It’s best to obtain your bonus by 22 November.

You should utilize the app or choose up a brief card in Iceland shops, and will probably be posted a full card when you register on-line.

It’s a restrict of 1 Bonus Card per invited buyer and there’s a most of £1,000 that may be added to your card. Playing cards expire 24 months after you final use them.

BEST VALUE: £100 earns £15 = 15% bonus

Morrisons Christmas Savers 2025

The Morrisons Christmas card is linked to the Morrisons More app. Morrisons Christmas Saver stamps are bought in-store by asking the cashier so as to add your chosen quantity of digital stamps to your account. You’ll need to go surfing to watch and handle your financial savings.

The cut-off level to purchase stamps is 31 October 2025. The full saved and bonus added will probably be transformed right into a voucher to make use of in-store or on-line. You need to choose in your My Morrisons account the way you’d wish to get the voucher.

You can also’t get change from a voucher. So if in case you have a £100 voucher it is advisable to spend £100 or extra in a single transaction on the until.

The utmost bonus you may get is £6. It’s calculated as follows

• £1 bonus whenever you save between £49 and £96
• £3 bonus whenever you save between £97 and £145
• £4 bonus whenever you save between £146 and £193
• £6 bonus whenever you save £194

The most important return is £3 whenever you spend £97 or £6 whenever you add £194, gaining you 3%. I’d be cautious of including an excessive amount of to this card as it is advisable to spend your voucher in a single transaction, and there’s the tip of the yr deadline to spend it.

BEST VALUE: £97 earns £3 = 3% bonus

Sainsbury’s Christmas Membership 2025 (together with Argos)

The cash you save on the Sainsbury’s Christmas Club card can be utilized on-line and in-store at Sainsbury’s and Argos. The bonus is value 5% on each £50 you save.

The deadline for this one is 1 November 2025. No matter you could have on the cardboard by 11:59 pm that night will probably be used to calculate the bonus. There’s a minimal of £50 and a most of £500. Right here’s how a lot you’ll get:

You’ll be able to solely add cash to the cardboard in a Sainsbury’s retailer, each at a traditional and self-service checkout.

The bonus will probably be added to your card by the tip of November and also you’ll have till the date printed on the cardboard to make use of it.

BEST VALUE: each £50 earns £2.50 = 5% bonus

Tesco Christmas Saver 2025

The Tesco Christmas Saver 2025 is reside so you can begin saving now. Right here’s the way it works.

You’ll have to decide in to change your typical Clubcard vouchers for Christmas vouchers earlier than 16 October 2025. 

To earn a Christmas bonus, you possibly can top-up your Clubcard with cash all year long through the Tesco app or Clubcard web site, as much as £360. Simply click on on the Christmas Savers banner on the app or web site and choose ‘Prime up now’. Bonuses are calculated as follows:

• £1.50 bonus whenever you save between £25 and £49
• £3 bonus whenever you save between £50 and £99
• £6 bonus whenever you save between £100 and £199
• £12 bonus whenever you save £200 to £360

You get the top-ups and any bonuses despatched as vouchers in your November Clubcard assertion, alongside any Clubcard vouchers you’ve earned. You’ll be able to then spend them in Tesco on-line, in-store or on petrol. You’ll be able to’t increase them with Clubcard companions.

Clubcard vouchers and top-up vouchers are legitimate for two years, and the bonus vouchers are legitimate for 3 months.

BEST VALUE: £100 earns £6 or £200 earns £12 = 6% bonus

Saver scheme deadlines

To ensure you don’t miss out, listed below are the final dates so as to add cash to the schemes for 2025:

Are Christmas Saver Schemes value it?

Christmas financial savings schemes is usually a fairly great way of incomes an additional increase in your cash, in addition to spreading the price of Christmas a bit. Nonetheless, with the perfect incomes 6%, besides Iceland’s 20% for choose folks, are there higher methods to avoid wasting for Christmas?

A technique may very well be by getting discounted gift cards utilizing an app like JamDoughnut, HyperJar or Airtime or a cashback website like TopCashback. Proper now, a few of the above supermarkets allow you to earn as much as 5% with JamDoughnut. After all, some schemes can get you fairly good returns, however provided that you save above a certain quantity. You can have further flexibility utilizing discounted present playing cards. Plus, should you haven’t used these earlier than, there are additional welcome bonuses available, together with £20 from TopCashback or £4 from JamDoughnut.