Best junior Isa and children's savings rates: We list the top deals in our tables
- The web's best savings tables
- Completely independent and unique
- Accounts with catches are stripped out or shown separately
- Compiled by savings expert Sylvia Morris
- Unlike other tables, providers do not have to pay to appear
| Easy access | Fixed rates | Cash Isas | Savings platforms | Monthly income |
| Phone / postal | Junior Isas / children's | Offshore | National Savings | Premium Bonds |
| Bank/building society (min investment) | % tax-free | |
|---|---|---|
| Bath BS (£1+) (3) | 5.29 | |
| Beverley BS (£1+) | 5.2 | |
| Loughborough BS (£1+) | 4.8 | |
| Nottingham BS ( £1+) | 4.75 | |
| Stafford Railway (BS) (£1+) | 4.75 | |
| Coventry BS (£1+) | 4.7 | |
| Family BS (£3,000+) | 4.6 | |
| Leek United BS (£10+) | 4.5 | |
| Skipton BS Issue 5 (£1+) | 4.5 | |
| Swansea BS (£1+) (4) | 4.5 | |
| Newbury BS (£50+) | 4.4 | |
| Cumberland BS (£50+) | 4.35 | |
| Family BS (£1+) | 4.35 | |
| Earl Shilton BS (£1) | 4.3 | |
| Mansfield BS Issue 2 (£1+) | 4.25 | |
| Darlington BS issue 2 (£1+) (5) | 4.2 | |
| Monmouthshire BS (£10+) | 4.15 | |
| Dudley BS (£2,500+) | 4.00 | |
| National Savings & Investments (£1+) | 4.00 | |
| Newcastle BS (£1+) | 4.00 | |
| Tesco Bank (£1+) | 4.00 | |
| Penrith BS (£1+) | 3.85 | |
| Market Harborough BS (£1+) | 3.45 | |
| Hanley Economic BS | 3.65 | |
| Furness BS (£1+) | 3.6 | |
| Suffolk BS (£10+) | 3.6 | |
| Halifax (£1+) | 3.5 | |
| Lloyds (£1+) | 3.00 | |
| Bank of Scotland (£1+) | 3.00 | |
| (1) You need to give the society 45 days' notice if you want to switch out of this account. | ||
| (2) You lose 90 days' interest if you transfer out of this account. | ||
| (3) For those living or working in Bath . No transfers from existing Junior Isas accepted | ||
| (4) For those living in Wales | ||
| Type of account (min investment) | 0% | 20% | 40% | |
|---|---|---|---|---|
| Coventry BS Young Saver (£1+) | 5.00 | 4.00 | 3.00 | |
| Family BS Junior Saver 2 (£3,000+) (6) | 4.5 | 3.6 | 2.7 | |
| Swansea Young Saver (£1+) (1) | 4.5 | 3.6 | 2.7 | |
| Bath Building Society Junior Saver (£1+) | 4.45 | 3.56 | 2.67 | |
| Yorkshire BS One Day Account (£10+) | 4.45 | 3.56 | 2.67 | |
| Principality BS Dylan Advanced Saver (£1+) (13) | 4.35 | 3.48 | 2.61 | |
| Principality BS Gift Saver (£1+) (14) | 4.35 | 3.48 | 2.61 | |
| Family BS Junior Saver 2 (£3,000+) (6) | 4.25 | 3.4 | 2.55 | |
| Hinckley & Rugby BS Young Saver (£1+) | 4.25 | 3.4 | 2.55 | |
| Kent Reliance Demelza children's account 8 (£10+) | 4.30 | 3.44 | 2.58 | |
| Penrith BS Junior Saver (£1+) | 4.20 | 3.44 | 2.58 | |
| Cumberland BS Young Saver (£1+) | 4.15 | 3.32 | 2.49 | |
| Leeds BS (£1+) | 4.1 | 3.28 | 2.46 | |
| Beverley BS Young Saver (£1+) | 4.05 | 3.24 | 2.43 | |
| Monmouthshire BS Young Saver 5 (£1+) | 4.05 | 3.24 | 2.43 | |
| Tipton BS Cash Zone 2 (£10+) | 4.05 | 3.24 | 2.43 | |
| Newcastle BS Children's Saver (£1+)(4) | 4.00 | 3.2 | 2.4 | |
| Newbury Young Saver (£1+) | 4.00 | 3.2 | 2.4 | |
| Marsden BS Junior Saver 11(£1+) | 3.90 | 3.12 | 2.34 | |
| Darly Young Saver Account (£10+) (1) (12) | 3.85 | 3.28 | 2.46 | |
| Leek BS Humphrey/Pyramid (£1+) | 3.85 | 3.08 | 2.31 | |
| Vernon BS Young Saver Easy Access (10+) | 3.85 | 3.08 | 2.31 | |
| Dudley My Squirrel Saver (£10+) | 3.8 | 3.04 | 2.28 | |
| Cambridge First Account (£1+) | 3.75 | 3.00 | 2.25 | |
| Mansfield BS Young Saver 3 (£1+) | 3.75 | 3.00 | 2.25 | |
| Principality BS Dylan Young Saver (£1+) | 3.75 | 3.00 | 2.25 | |
| Suffolk Young Saver (£10+) | 3.6 | 2.88 | 2.16 | |
| Skipton BS Children's Savers | 3.55 | 2.84 | 2.13 | |
| Nottingham BS Young Savers’ Club(£1+) | 3.55 | 2.84 | 2.13 | |
| Loughborough BS Zero to Eighteen (£10+) | 3.4 | 2.72 | 2.04 | |
| Earl Shilton BS Early Saver (£1+) | 3.3 | 2.64 | 1.98 | |
| Furness BS Young Saver (£1+) | 3.25 | 2.6 | 1.95 | |
| Halifax Kids' Saver (£1+) | 3.25 | 2.6 | 1.95 | |
| Saffron BS U18 Easy Access (£1+) | 3.25 | 2.6 | 1.95 | |
| Buckinghamshire BS Junior Saver (£1+) | 3.00 | 2.4 | 1.8 | |
| Lloyds Child Saver (5) | 3.00 | 2.4 | 1.8 | |
| Bank of Scotland Children's Saver ((5) (10) | 3.00 | 2.4 | 1.8 | |
| (1) Only available to those living within the society's branch network area | ||||
| (2) Plus 0.25 per cent of the average annual balance to Demelza Hospice for Children | ||||
| (3) For those aged 11 to 17 only | ||||
| (4) Maximum £200 a month | ||||
| (5) You need to have a current account with the bank to operate this account | ||||
| (6) Maximum 12 withdrawals a year | ||||
| (9) For those under seven only, maximum holding £3,000, branch only | ||||
| (10) On savings up to £5,000. On balances over £5,000 the rate is 1.15 per cent | ||||
| (11) Maximum £50 a month, available to children age 12 or less only . | ||||
| (12) Open to those up to age 13 | ||||
| (13) Only one withdrawal a year allowed | ||||
| (14) Only three withdrawals a year allowed | ||||
| Type of account (min investment) | 0% | 20% | 40% |
|---|---|---|---|
| Saffron BS Chidren's Regular Saver (£5+) (2) | 5.5 | 4.4 | 3.3 |
| Halifax (£10+) (1) | 5.5 | 4.4 | 3.3 |
| (1) Regular savings of £10-£100 per month aimed at parents saving for children (up to the age 16). After 12 months the money is moved into another account. | |||
| (2) Regular savings of £5 - £100 per month. You have easy access to your money. Rate is variable. | |||
* Note: From April 2018, tax conversions will apply only to taxpayers living in England, Wales and Northern Ireland. Scottish taxpayers are subject to different income tax rates after this date.
Dear Reader,
These tables are unique on the web. They are independent and providers are not forced to pay to appear, which is typically the case at big comparison sites.
Independent savings expert: Sylvia Morris
They are completely unbiased - we simply show the best rates around and don't do 'featured deals'.
We've gone a step further, too. To feature in the best buys on variable rate accounts in our savings tables, an account must give you easy access to your money and come with no hidden catches.
In the past we have refused to include accounts where the rate is boosted by a short-term bonus or those with over-restrictive conditions so you only earn the advertised rate if you make three or less withdrawals a year.
But with interest rates so low, most of today's best deals have some sort of clause built in, whether that's a bonus or a restriction on withdrawals.
For that reason, we've included decent bonuses as long as they last for at least 12 months. This is to avoid you having to switch your account too often when short-term bonuses run out.
If there is a restriction on withdrawals we have made this clear in the notes on each account.
We also ignore old-style 'notice' accounts where the bank or building society can demand you give up to six months' notice that you want to take our money out while it can change the rate at any time without warning.
All banks and building societies are registered with the Financial Services Authority and signed up to the Financial Services Compensation Scheme, either directly (protecting up to £85,000) or via its passport scheme (where the compensation limit depends on the bank's home country. In Europe it is €100,000).
If you have a question about the tables email sy.morris@dailymail.co.uk and editor@thisismoney.co.uk
Sylvia Morris
This is Money savings tables expert
| Easy access | Fixed rates | Cash Isas | Savings platforms | Monthly income |
| Phone / postal | Junior Isas / children's | Offshore | National Savings | Premium Bonds |
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