Major supermarkets have their Christmas savings schemes, with which you could save up to £25 (Image: Getty)
Christmas is approaching, and many UK supermarkets offer savings schemes that let you put aside money throughout the year – or even just a few days before the cut-off – to earn extra cash for your festive shopping. While these schemes do not provide the protection or interest of a standard savings account, they are a practical way to increase your Christmas budget.
This guide explains the key supermarket schemes for 2025, how they work, and how much you can earn. Supermarket savings schemes are essentially reward programmes designed to encourage customers to put money aside for Christmas. Most schemes give a bonus based on the total saved by a specific deadline. Bonuses typically range between 3% and 6%, and some include extra cash incentives if you meet certain top-up thresholds. Savings can take the form of electronic cards, physical cards, or stamp booklets. Some schemes only allow you to redeem the bonus during the festive period, while others let you spend it throughout the year. A key benefit of these schemes is that you can join close to the bonus cut-off date, so your money doesn’t have to be tied up for months.
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Iceland offers both a standard bonus and an extra Christmas reward (Image: Getty)
Iceland Bonus Club
Iceland’s Bonus Club scheme is popular because it offers both a standard bonus and an extra Christmas reward. You can receive £1 for every £20 saved on a physical or digital card. If you save at least £100 between September 16 and October 28, 2025, you also get a £15 Christmas bonus, bringing the total possible reward to £20.
The standard £1 bonuses are usually added to your account within 48 hours, while the £15 extra is credited by November 22, just in time for Christmas shopping. The Bonus Club card can be used in-store or online, making it versatile for food shopping, gifts, or home deliveries.
Iceland also allows you to pre-load your card in multiple small payments. For example, saving £20 a week over five weeks will earn you the same £20 total bonus.
There is no expiry on the standard bonus, though the extra £15 must be used by December 24.
Sainsbury’s Christmas Club Card
Sainsbury’s Christmas Club Card allows you to save any amount from £1 up to a maximum of £1,975. The bonus applies to the first £500 of savings, with a 5% return on each £50 saved.
For example, if you have £100 on the card by November 1, 2025, you would receive £5 as a bonus, up to a maximum of £25. The bonus is added by the end of November and can be spent in Sainsbury’s stores, online, or at Argos.
The card can be topped up multiple times and online orders placed on or before November 1 are deducted from the qualifying balance, so planning ahead is key.
Tesco allows customers to earn up to £12 extra on their festive savings (Image: Getty)
Tesco Christmas Savers Scheme
Tesco’s Christmas Savers Scheme allows customers to earn up to £12 extra on their festive savings. The bonus is tiered: save £25 to £49 and get £1.50, save £50 to £99 and earn £3, up to a maximum £12 for savings of £200 or more.
Top-ups must be made by 11.59pm on October 16, 2025, and the bonus is paid in your November Clubcard statement.
You can add money via the Tesco app or Clubcard website, making it easy to manage your savings from home. The bonus vouchers can be used in-store or online at Tesco, giving shoppers plenty of flexibility for their Christmas shop.
A practical tip is that you do not need to save for the entire year to qualify. Adding £200 to your Clubcard Christmas Savers in the last few weeks before the cut-off will still earn the full £12 bonus.
Asda offers tiered bonuses depending on how much you save (Image: Getty)
Asda Christmas Savings Card
Asda’s Christmas Savings Card offers tiered bonuses depending on how much you save, with a maximum bonus of £15 for savings of £280 or more. Smaller savings are also rewarded: £1 for £30-£79, £3 for £80-£129, up to £12 for £230-£279.
Top-ups must be made by 5pm on November 9, 2025, and the bonus is paid the following morning.
You can manage your Asda card online or in-store, including setting up automatic top-ups. The card can be used at both Asda supermarkets and George stores, making it convenient for those doing both food shopping and gift purchases.
Additionally, the card remains valid for two years from the last transaction, giving you flexibility if you don’t spend the entire balance immediately.
At Co-op, the savings scheme is done using paper stamp booklets (Image: Getty)
Co-op Christmas Stamps Scheme
The Co-op offers a savings scheme using paper stamp booklets. Each booklet is completed by purchasing £1 stamps, and when the booklet reaches £48, you get £50 off your shopping in December – a 4.16% bonus. There is no maximum bonus, and you can buy stamps throughout the year.
The Co-op scheme is straightforward for in-store shoppers who prefer a physical method to track their savings. However, only fully completed books are eligible for the £2 bonus.
While there is no time pressure for buying stamps, they must be redeemed in the store by December 2025.
Morrisons links Christmas Saver stamps to the More card (Image: Getty)
Morrisons Digital Christmas Saver
Morrisons links Christmas Saver stamps to the More card. Digital stamps can be purchased in denominations of £1, and the total number of stamps collected is tracked online. Bonuses are tiered: £1.50 for £49-£96.99 saved, up to £6 for £197+.
The maximum bonus is £6 per year, and stamps purchased after October 31, 2025, will count toward next year’s balance.
Bonuses are added to your vouchers after the October 31 cut-off, allowing you to plan your Christmas shop accordingly.