08 Dec 2025

Nationwide predicts over 20 million transactions as shoppers rush to finish Christmas shopping

  • In the lead-up to Christmas, Nationwide is expecting 20.6 million transactions on Friday 12 and Saturday 13 December, which is 6.39% higher than the same dates in December 2024.
  • A peak number of 10.7 million transactions are predicted on the 20 December as people rush to finish their festive shopping*.
  • 21.16 million transactions are expected across the weekend before Christmas, which is 2.96% higher than the 20.55 million transactions forecasted in 2024**.
  • Nationwide also shares top tips to avoid scams in a busy festive period

Peak dates and number of transactions predicted in December 2025*

2025

Friday

Saturday

12

10.42m

13

10.20m

19

10.47m

20

10.69m

Peak dates and number of ** transactions in December 2024**:

2024

Friday

Saturday

13

9.77m

14

9.61m

20

10.33m

21

10.22m

 Commenting on the data, Mark Nalder, Service, Operations & Performance Director at Nationwide said: “Despite continued lower consumer confidence as we head towards Christmas, it’s encouraging to see that we’re expecting higher volumes of spending on Christmas shopping than the previous year. These peak periods will be incredibly busy days for retailers as consumers race to finish their shopping.

It's also more important than ever to pause and think before making a purchase to ensure that you’re paying the best price and to be on the lookout for potential scams, whether that is in-person, online shopping, or on social media. Platforms like Snapchat and Telegram showed the largest year-on-year increase in reported social media scams according to our data so it’s important that shoppers remain vigilant for any deals that seem too good to be true.”

Nationwide’s top tips for staying safe from scams for the festive season:

  • Be sceptical of urgency, scammers often pressure you to act fast.
  • Use secure payment methods, try to avoid bank transfers unless you’re 100% sure.
  • Report suspicious activity to your bank/building society and Action Fraud immediately.
  • Ideally check with your building society or bank before making any payment. For example, Nationwide has a 24/7 fraud line, while its Scam Checker service means that if you ask for a payment to be checked beforehand and Nationwide gives the greenlight and you go onto to be scammed, you’ll get a full refund.

Notes to editors

*Nationwide forecasted payment data on debit cards from 1 December to 31 December period 2025

**Nationwide forecasted payment data on debit cards from 1 December to 31 December period 2024