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Why NCB?

Your money. Your Way

Start saving now to make Christmas extra special

Lock in your savings all year and access them only in November and December

Keep Scrolling

Christmas Savings Account

Start saving as little or as much as you like – locking it away for the festive season.

Our Christmas Savings Account helps you stay ahead of the festive rush by saving gradually throughout the year. Withdrawals are only available in November and December, meaning your savings stay locked in until you need them – taking away the temptation to withdraw.

A Smarter Way to Save for the Festive Season

Save as often as you like, from small amounts to lump sums, up to £120,000

Withdrawals only available between 1st November and 31st December

Spend your savings anywhere.

Last year, account holders saved over £760,000 in this account alone

This account was created in response to feedback from account holders who wanted a dedicated way to save for Christmas, without the risk of dipping in early or being tied to high-street voucher schemes. With Northern Community Bank, your money is yours to spend how you want. Giving our communities the tools they need.

Why Choose Our Christmas Savings Account?

Purpose-built for the season

Your money stays locked away until November, helping you avoid unexpected spending throughout the year.

No limits, no fees, no shop restrictions

Unlike other Christmas clubs or voucher schemes, we don’t take a cut or limit how and where you can spend your savings.

Safe and secure

Your savings at Northern Community Bank are protected up to £120,000 under the Financial Services Compensation Scheme (FSCS).

Help your community

Your savings help fund affordable loans to fellow account holders and you receive a share of the profits when we do well.

Optional support

Some account holders pair Christmas savings with a small, affordable loan to spread the remaining seasonal costs into the new year.

Share of the Profits & Loan Rebate

When things go well, we give back a share of the profits to our account holders. We have returned millions of pounds back to account holders over the years. Money saved during the year in the Christmas Savings account is also eligible for a Share of the Profits. In March 2026 we returned £1.1million

Find Out More

Who Can Open an Account?

Anyone who is an account holder at Northern Community Bank and lives or works in our eligible areas or works for a Payroll Partner, can open a Christmas Savings Account.

Burnley

Pendle

Rossendale

South Craven

Hyndburn

Ribble Valley

Preston

Lancaster

The whole of Cumbria

How to Get Started

  • Open the account online or in one of our branches
  • Start saving - as little or as often as you like
  • Withdraw your funds between 1st November – 31st December

Open a Christmas Savings Account

Want to find out more about the Christmas Savings Account - no problem, contact our friendly team today.

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