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 our Christmas Saver Account, it’s easy to put money aside throughout the year and have a pot ready for the big day. And if extra costs crop up, our flexible loans can help cover festive expenses like gifts, food, or celebrations so you can focus on enjoying 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 1st each year. You can deposit funds into your account at any time!
Between October 1st & January 31st, you are able to withdraw any funds you have saved through out the year.
Start Anytime – Save at Your Own Pace
Want to save for Christmas without the stress? Start today and build your savings little by little.
1️⃣ Save £1 a day starting whenever you’re ready
It’s never too late to start. Even if you begin later in the year, you can still build a helpful Christmas fund.
2️⃣ Withdraw from 1st October 2026
Your Christmas Saver funds will be available to withdraw from 1st October 2026, giving you plenty of time to prepare for the festive season.
If you save £1 per day, here’s what you could have saved by 31st October 2026:
| Start Date | Save £1 a Day | Total by 31st October 2026 |
|---|---|---|
| 1st March 2026 | £1 a day | £245 |
| 1st April 2026 | £1 a day | £214 |
| 1st May 2026 | £1 a day | £184 |
| 1st June 2026 | £1 a day | £153 |
| 1st July 2026 | £1 a day | £123 |
| 1st August 2026 | £1 a day | £92 |
| 1st September 2026 | £1 a day | £61 |
| 1st October 2026 | £1 a day | £31 |
A little each day can make a big difference by Christmas.
To open your Christmas Saver, you will need to become a Member of DCB. Once you are a Member, go on the Derbyshire Community Bank App then open your Christmas saver in minutes.
How to open a Christmas Saver?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.
