
Tesco Clubcard Christmas Savers bonus payout of 6 per cent
Tesco Clubcard Christmas Savers allows shoppers to build a pot throughout the year, as well as keeping Clubcard points, and the supermarket will add a festive bonus, just in time for the big seasonal shop.
Customers say it's a welcome scheme for anyone who likes to save a little each week, and who regularly buys their big Christmas shop at Tesco.
On its website, Tesco says: "We'll look after all the Clubcard vouchers you get when you shop and collect Clubcard points with us during the year, up to 16 October 2025 when the 2025 scheme closes.
"You'll then get all your vouchers in your November Clubcard statement, just in time to spend on your big Christmas shop. Plus, from the 26 December 2024, you can also top up your savings throughout the year with your own money, to a maximum of £360."
They add: "When you've topped up at least £200, you'll get a £12 bonus on us, to help you save even more for the festive season."
On a £200 investment, paid in before the October deadline, that's a six per cent return - higher than most bank accounts.
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Customers who top up between £100 and £199 will get £6 bonus, between £50 and £99 it's £3, and from £25 to £49 they will add £1.50.
Mumsnet posters have been using the scheme, with one posting: "Anyone else use this? It's new I think. I always shop online with Tesco. Now they have a saver thing that you can top up throughout the year online to help save for Christmas."
Another added: "It's been like that for a while. I have £265 in Clubcard vouchers but I do the Clubcard challenge also. "

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Western Telegraph
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If the hackers can get into the warehouse management system, they can effectively disable a very large quantity of food distribution, knowing full well that that causes major distribution problems that become very easily spotted in a public sense, very easily, very quickly, in that the result is bare supermarket shelves.' Around 10 of the federation's members have said they've been victims of cyber attacks in the past few years, Pluck adds, but he guesses that the true figure is 'way more'. There has been a 'much-increased' number of attempted attacks in the past year. The federation doesn't compile statistics on cyber attacks because, according to Pluck, they are 'guaranteed to be inaccurate' as some firms are unwilling to make it publicly known that they have been attacked, while others may resolve the impact of an attack before it becomes publicly apparent and then decide not to declare it. Most of the federation's members have cyber insurance. 'The cybercriminals don't necessarily care whether you're a supermarket, or whether you are part of the supply chain that serves that supermarket. What there is now are common software shares that allow the logistics supply chain to talk to each other. So that's another weak point,' he says. The cyber attacks have become more sophisticated. Where once they were what Pluck called 'chance' events with the attackers sending out thousands of 'friendly-looking' emails in the hope that someone might click on an attachment and inadvertently let them in, it's now not unusual for the attackers to look at a firm's client base or an IT service provider and then send a very legitimate-looking email saying, for example, 'We need to do a server upgrade.' 'They're hoping someone says yes and then that's it, they're in the system. Or they may actually mimic someone physically and send an actual human being to your premises pretending to be an IT service engineer who attaches something to your server,' he explains. 'If everyone in the system does what they need to do, then obviously you get greater protection, but it only requires one weak link in that. So, on our side of it, everyone has to be on their guard 24 hours a day and everyone has to be 100 per cent lucky. The attacker only has to be lucky once.' Pluck says the food distribution chain is vulnerable to cybercrime, but is no different from any other sector in that respect. However, he is calling for the Government to acknowledge the importance of the sector – which also distributes around 50 per cent of the UK's pharmaceuticals – and help to protect it with Critical National Infrastructure (CNI) recognition. 'It doesn't mean more money for the sector nor tighter or new regulation. But what it does give the cold chain is the ability to sit down with Government and create an Incident Response Plan. No such plan existed during Covid, and my sector just had to react as best it could. We got through it that time and fed the nation. But we can't be complacent and just muddle through again,' he adds. 'CNI will give us the clear platform to create a response plan as well as a recovery plan. Both are essential to supplying food and medicines to the UK citizen in the next major crisis.' Dray Agha, the senior manager at cybersecurity firm Huntress, agrees that cybercriminals are increasingly targeting food retailers and suppliers. 'Food supply chains rely on real-time inventory management, temperature control, and rapid distribution. A cyber attack disrupting these systems could lead to spoilage of perishable items, resulting in immediate financial losses. Paying a ransom may seem cheaper than absorbing the cost of wasted stock,' he says. Agha says firms should no longer see cybersecurity as a 'compliance issue' or a 'cost issue' but as something that can enhance a business and for which a healthy budget should be allotted. He says: 'Firms also need to invest in cybersecurity training and make security awareness a priority among the workforce; teach them that it's not just the responsibility of IT but the responsibility of everyone.'