• K20.00 minimum fortnightly contribution
• Savings interest is 3% per annum 
• Can be accessed once a month through loan or transfers 
• Funds accessible during the month of November, December and January 
• One transfer per month is allowed 
• Minimum account holding balance of K50.00

Interest rates are subject to change

• Save monies for 9 months
• Extra cash for the festive season
• Access funds during November, December and January yearly
• Savings can be used as collateral to apply for loans.
• Instant processing of funds into Poro Account

• Digital service is free
• K1.00 fee charged for in branch transfer from savings to Poro account
• K1.00 monthly account keeping fees

To apply for Christmas Savings Account or to transfer funds, complete the application online or submit with a valid copy of your ID at any NCSL branch near you or email it to our Call Centre on callcentre@ncsl.com.pg 

Upon successful transfer, the funds from Christmas Savings are deposited into the member’s Poro Account for accessing using Poro Card. 

If you do not have a Poro Card, inquire with our Call Centre Team. 

For more information on Christmas Savings Account, contact our friendly Call Centre Team on 207 2000 or email callcentre@ncsl.com.pg

• What is a Christmas Savings account? 
  Savings Account specific to saving monies for the festive season 
• What is the account opening fee? 
  The fee to open a new Christmas Savings account is K20.00 
• Can I access Christmas Savings anytime? 
  Members can access their Christmas savings account during the months of November, December, and January 
• Do I get paid interest? 
  Yes, with Christmas Savings account members are paid an annual interest of 3% 
• How do I open a Christmas Savings Account? 
  To open a Christmas Savings account you will be required to complete the new membership application form and submit to your nearest NCSL branch with a valid copy of your ID. Applications can also be emailed to Call Centre on callcentre@ncsl.com.pg