Supermarket, retailer and shopping mall schemes
- You will not get interest on your money
- You will probably get a bonus
- They will make it difficult for you to take money out before the run-up to Christmas
- They will not collect money from your home
- If the company goes bust you're unlikely to get all your money back
- They do not pay out in vouchers
- They will pay out just before Christmas
- You will have to buy from a particular shop or range of shops
