Can I (birth mother) open a savings account for my adopted child?

[anotherusername]

I want to open up a savings account for my son who was taken away, as well as for my other two children whom are with me.
I have my first son's birth certificate, but will I need to avoid telling the bank he was adopted in order to get one for him also?
I'm eager to do this as something that proves I 'll treat him as still my child whenever possible.

yes. the bank don't need details of the adoption. children's accounts are opened in the adults name re. the child. so the account title would be 'anotherusername re.child's name' so it's basically your account. the bank will need ID for you, and the child's birth certificate.

dd's grandparents opened accounts for dd and ds with their own ID plus the children's birth certs.

Brilliant, thankyou :-)

I doubt anyone can stop you. You may have trouble sorting the money out if/when your DS finds you. He will have a different name than on his bank book. Being blunt - if you are still around you would be able to access the money but if you arent I dont think he would be able to get hold of it.

I think its a lovely idea though. It would be worth putting something in your will to ensure DS is able to get benefit in the way you want him to.

could you write to his adoptive parents and ask if they could set it up for him for you to add to?

We could be relinquished by the time I'm 33 an he's 18.
I don't plan on dying before then :-D

I could ask adoptive parents but they may think that in doing so it would give me too much access to his personal details?

Maybe I could ask, I'll ask social services,
thanks

i don't think so because all you would need to pay into it would be a sort code and account number.

it might be worth talking to a bank and explaining the situation, if that's something you feel you could do? perhaps you could set up some sort of trust fund for him?

you just need to do a will explaining there is an account for him, just in case. then the executors will have to find him etc.

why not open it in your name then when he is 18 (or when ever you want) you can withdraw the money for him. Name that specific account in your will as being his. (no-body plans to die before they are 33 but I'm sure you have already found out that life rarely pans out the way you think it will.

Or if you have a way of contacting his adoptive parents why not contribute to whatever they have already set up?

I am not an expert on baking or legal matters. But if you are representing that you are his legal parent them you are committing fraud, because you are not. You will be asked to sign a form about income tax so that interest can be paid in full and on that you will have to say you are his parent. And as others have said, control of the account should pass to him when he is older, but he will have a different name now

I appreciate that you want to acknowledge/include him, but i think this may create problems for you. I would strongly urge you to get some counselling to help you deal with your issues around grief and loss. you don't have to go anywhere near social services, - there are charities which provide this

Sorry I just spotted that you say your biological son is in fact 18 now. ( I was confused because you said on the other thread that your son was only 7 and you were not in contact with his parents). In that case I think you will find that the bank will not permit you to open an account in trust for another adult who is not a legal relative .

this is the form you would complete for tax relief. you don't have to fill it in. and it just says 'parent or guardian of' so you could sign it as birth parent. if you're worried, just don't fill it in. you don't need to explain to the bank. they'll offer you the form, you just say it isn't applicable in this case. they may assume you mean because of income. i used to be a bank manager btw.

kristina I said
"We could be relinquished by the time I'm 33 an he's 18."
He is almost 9 now, was stolen at 5 months old and eventually adopted at age 1 and half after a year of social services messing about with foster homes.

anotherusername, so you were 15 when social services removed your son? That is so hard. I hope you can get some counselling. But it is very hard, all the same.

he'd never be able to get the money though would he? I am presuming he has a different name to the one on his birth cert.

Stolen?

I am feeling very uncomfortable with some of the words the OP is using 'stolen' etc. The hard facts are that this boy has been adopted, you cannot start to send letters telling him you will be there if he wants 'affection'. He will get that with his family. Really think you need to get some conselling on all of this. You also have two more children to think about. You sound as though you are almost plotting to get him back

Yes rocky. I'm sure he is getting love and affection from his adoptive family.

OP, was the baby taken because you were so young? surely you had to agree to that, even if it was with a hollow heart?

Don't ask his adoptive parents to set it up for you, this is something you are doing, nothing to do with them, what if they pass the money off as theirs to him and never mention you.
I think it's a lovely thing to do and by the time he traces you it will show him you thought of him every month even if it's only a pound you deposit.
It seems there's little else you can do to show he was constantly in your thoughts.

i agree with milly its a nice thing to do but i think you need to check out with the bank and tell the truth just in case it affects him getting the money in the end

Maybe ask one bank truthfully and if you don't like their answer go to another one

"by the time he traces you" - you should be prepared that some adopted children never search for their birth parents.

I can't stress enough what other people have said - please try to get some counselling abou this before you go any further.

And when forms say "parents or guardian" to sign they mean the legal parent or guardian. You will be able to open an account in trust for anyone you like but won't be able to sign teh tax form and may well be open it in the wrong name which will cause a problem.