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Christmas 2025 Regular Saver

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Is this account right for me?

This regular saver is designed to help you save for Christmas 2025. You don't have to pay in money every month. And you can close this account at any time.

For the ones who
  • Want to save regularly towards a goal
  • Don't need to withdraw money
  • Want the certainty of a fixed rate
Not for the ones who
  • Want to pay in more than £125 each month
  • Want to make withdrawals
  • Want to save more than £1,500 in total

Summary box

This summary contains key information about our Christmas 2025 Regular Saver. You should read it carefully before applying.

Fixed interest      7.00% Gross*                 7.00% AER† 
 
Interest is calculated each day on the money in the account and paid into the account after 12 months. 

No, the rate is fixed for 12 months until the bond matures (when the account comes to an end).

£1,556.58
 
This is based on: 

  • You paying in £125 a month for 12 months.
  • You making the first payment on the date the account was opened. 

This calculation is for guidance only, to show you what a future balance could look like. It does not consider your individual circumstances. 

  • You must be 16 or over and be a UK resident (see your Christmas 2025 Regular Saver account terms). 
  • This can be a joint account, but you can’t have more than one of this issue number of the Christmas 2025 Regular Saver in your name. 
  • You can open the account in branch, at an agency or online. 
  • You must keep at least £1 (the minimum balance) in the account. 
  • The most you can pay in each calendar month is £125, in one or more payments. 
  • You do not have to make payments into the account every month. 
  • If your bond reaches £1,500, you cannot pay any more money in. 
  • The bond will mature 12 months after the date it opened. 
  • You can manage the account in branch, at an agency, by post, or by using a secure online profile with Principality. 

No, you cannot make any withdrawals from your bond before it matures. 

You can close your bond before it matures. Any interest you’ve earned will be added to the account balance and paid to you. 

We will write to you before your bond matures to find out what you want to do with your money. 

If we don’t receive any instructions from you before your bond matures, we will move your money to our Instant Access Account or the nearest equivalent we offer at the time. 

Service charges and costs may apply to your bond. These are set out in our Tariff of Charges. 

If the total amount of interest you earn is more than your tax-free Personal Savings Allowance, you may have to pay tax directly to HM Revenue and Customs (HMRC). For more information, visit gov.uk. 

In certain circumstances we may refuse an instruction for using an account. These circumstances are set out in our Savings Terms and Conditions. 

The interest rates quoted above were correct on 24/10/2024. 

Downloadable documents

Please take some time to review this important information. We recommend you download these and keep copies somewhere safe; you may choose to print them.

Start saving today

Let's get you saving. Apply online or in branch. When you apply online you can:

  • Open your account in around 10 minutes
  • Fund your account straight away
  • Name your account and set a goal to work towards
Book an appointment

Additional information

*Gross interest is the rate of interest before income tax is deducted at the rate set by law.
†AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
^Tax-free means the interest you earn isn't subject to UK Income Tax and Capital Gains Tax. Tax treatment depends on your individual circumstances and could change in future.