Save monthly, celebrate Christmas together
Get ready for the Christmas countdown with a 6 Month Regular Saver.
Why save for Christmas now?
There's nothing better than a little splurge at Christmas time.
And it's not about fancy gifts or big price tags. The real magic comes from treating your loved ones - or yourself - to the stuff that makes you smile.
Whether that's dodging sweets at the panto, strapping on skates at the ice rink, or just a good old fashioned family meal.
So why not open a 6 Month Regular Saver and start saving a Christmas pot today? So when Christmas rolls around you'll be ready to spread the cheer.
Set a pot aside to spread the cheer this year
Between thoughtful gifts, festive meals, and helping out with the little extras for the little ones; the Christmas price tag can quickly ramp up.
Having a dedicated savings pot could help you create those magical moments for your loved ones - without the costs running away from you.
So start early and save each month, to give yourself the gift of guilt-free spending this Christmas. And if your plans change, you can close the account and access your money at any time.
6 Month Regular Saver: 7.36% / 7.50%
Gross* / AER† (Fixed)
Withdrawals - not allowed
Pay in up to £200 each month
Interest paid - at maturity
Min & Max 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 a Christmas savings pot - this savings account could suit 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
Summary box
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 prodcts, 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...
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- Everyday finance
Short-term savings tips to help you reach your savings goals.
4 mins
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- 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.