Save now, relax in December
Plan ahead with our 6 Month Regular Saver and enjoy this Christmas.
Why save for Christmas now?
We know what you're thinking. You've not even had your summer holiday yet. We're nowhere near dusting off the Halloween decorations.
So why are we talking about Christmas already?
It's simple really. Wouldn't it be nice to get to December with the cost of Christmas already planned for?
Plan ahead for the cost of Christmas
Christmas time is about so much more than expensive presents and costly feasts. It's about spending quality time with the people you love. Indulging in your favourite foods and films. Taking a breather to reflect on your year.
But let's be honest; it can get expensive. And that stress can get in the way of enjoying the moments that matter.
We should all be able to enjoy the festive season without money weighing on our minds. So why not open a 6 Month Regular Saver account now and set aside some savings each month?
Having a savings pot and regularly saving for six months could give you some peace of mind when December comes.
Leaving you to focus on making memories - not worrying about your bank balance.
6 Month Regular Saver: 7.36% / 7.50%
Gross* / AER† (Fixed)
No withdrawals allowed
Pay in up to £200 each month
Interest paid at maturity
Minimum & maximum balance: £1 to £1,200
How our 6 Month Regular Saver works:
We understand everyone saves differently. And we have a range of products to suit different savers and different goals.
Our 6 Month Regular Saver account is designed to help you save on a regular basis over six months. If you're saving for a short-term goal like getting ready for this Christmas - this savings account could be the right choice for you. And if your plans change, you can close the account and access your money 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 £200 each month
- Want to make withdrawals
- Want to save more than £1,200 in total
6 Month Regular Saver FAQs
This summary contains key information about our 6 Month Regular Saver. You should read it carefully before applying.
Fixed interest 7.36% Gross* 7.50% AER†
Interest is calculated each day on the money in the account and paid into the account after 6 months.
No, the rate is fixed for 6 months until the bond matures (when the account comes to an end).
£1,225.81
This is based on:
- You paying in £200 a month for 6 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 6 Month Regular Saver account terms).
- This can be a joint account, but you can’t have more than one of this issue number of the Regular Saver Bond 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 £200, in one or more payments.
- You do not have to make payments into the account every month.
- If your bond reaches £1,200, you cannot pay any more money in.
- The bond will mature 6 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 13/03/2025.
Why save with Principality?
We've been helping people save and buy a place to call home for over 165 years. When you save with us, you're joining over 500,000 members who trust us to support them in their savings journey.
As a building society we’re run for our members. We don't have to line shareholders pockets with our profits. Instead we can reinvest our profit where we think it matters; creating better products, improving our services and having a positive impact on the world.
Excellent service, I’m really pleased to have opened another Regular Saver. I think this makes it my fifth one!
Principality Member
Open a 6 Month Regular Saver today
Let's get you saving. 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
Learn more about...
-
- Everyday finance
Short-term savings tips to help you reach your savings goals.
4 mins
-
- Savings accounts
Find out what savings accounts and ISAs we offer.
7 mins
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.