Vicky Parry
27th Oct 2025
Reading Time: 3 minutes
Looking to make your Christmas 2025 budget go further? Supermarket saving bonuses are a clever way to save money and get a bonus to spend in-store or online. From Tesco to Morrisons, these schemes let you pre-load funds and receive extra vouchers, making your festive shopping cheaper and stress-free.
Here’s a complete guide on what supermarket saving bonuses are, how much they’re worth, how to sign up, and the 2025 deadlines you need to know.
What is a Supermarket Saving Bonus?
A supermarket saving bonus is a promotional scheme where you deposit money with a supermarket in advance, then get extra credit or vouchers to spend later. These schemes are sometimes called:
- Christmas Savers (Tesco, Morrisons)
- Bonus Clubs (Iceland)
- Stamp Schemes (Co-op)
How it works: You save or top up a minimum amount, and when you redeem your balance (usually in November or December), the supermarket adds a bonus on top.
Tip: Treat these like a pre-paid Christmas fund—don’t deposit money you can’t afford to lock away.
Supermarket Bonus Comparison 2025
| Supermarket | Minimum Deposit | Bonus / Return | Max Bonus | How to Save | Deadline | Source |
|---|---|---|---|---|---|---|
| Tesco Clubcard Christmas Savers | £25 | £12 bonus on £200 | £21.60 | Top up via Clubcard account online or in-store | 16 Oct 2025 | Tesco |
| Sainsbury’s Christmas Club Card | £50 | 5% bonus on each £50 saved | £1975 | Reload card at checkout | 1 Nov 2025 | Sainsbury’s |
| Iceland Bonus Club | £20 | £1 for every £20 saved | N/A | Join Bonus Club, deposit in-store | No specific deadline | Iceland |
| Morrisons Digital Christmas Saver | £1 | Vouchers totaling saved amount | ~£6 | Buy digital Christmas Saver stamps | 31 Oct 2025 | Morrisons |
| Co-op Stamp Scheme | £48 (full stamp book) | £2 bonus | £50 total value | Collect stamps in-store | Early Dec recommended | Co-op |
How to Sign Up and Use a Supermarket Saving Bonus
- Choose your supermarket – Check official supermarket websites for 2025 bonus details.
- Sign up or opt-in – Most schemes require account registration or a physical card.
- Deposit or top up – Add funds in-store or online. Some allow small regular deposits, others accept lump sums.
- Track deadlines – Ensure you deposit funds before cut-off dates to qualify for the bonus.
- Receive and redeem the bonus – Usually as vouchers or digital credit. Redeem during the festive period for maximum value.
Pros and Cons
✅ Pros
- Boosts Christmas budget with free bonus cash (3–6% extra).
- Encourages disciplined saving for festive spending.
- Ideal if you regularly shop at the chosen supermarket.
- Easy to use with minimal effort.
⚠️ Cons
- Funds are not FSCS-protected.
- Bonuses may expire if not redeemed in time.
- Deposit caps limit the bonus amount.
- Early withdrawal can result in lost bonus.
Top Tips to Maximise Your Bonus
- Only deposit money you already plan to spend on groceries.
- Compare bonus rates across supermarkets for the highest return.
- Redeem bonuses for essential shopping, not extras.
- Keep funds in a high-interest savings account until close to top-up deadline for extra interest.
- Track redemption deadlines to avoid losing bonus.
2025 Supermarket Bonus Deadlines
- Tesco Clubcard Christmas Savers – 16 October 2025
- Sainsbury’s Christmas Club Card – 1 November 2025
- Morrisons Digital Christmas Saver – 31 October 2025
- Iceland Bonus Club & Co-op Stamp Scheme – Early sign-up recommended
Should You Do It?
Supermarket saving bonuses are perfect if:
- You shop regularly at the supermarket offering the scheme.
- You want a simple, structured way to save for Christmas.
- You’re happy with non-bank protection for the funds.
If flexibility or FSCS protection is more important, a regular savings account may be a better choice.
Bottom line: Used strategically, these bonuses can give your Christmas budget a welcome boost.