Kids savings

[thefunnybones]

So I'm saving up for my kids futures as my parents done with me. I have 2 kids. One has about 2k in there and one has about 1.5k. My dilemma is I'm on UC. I work and so does hubby but we still get help as renting and wages aren't massively high

I don't want to put their savings in an account they can access at 18 as I blew all mine at 18 and my husband was equally useless with money.. I feel 18 is too young for lots of adults to have large sums of money. So I currently have it in my bank under accounts in my name but then with UC anything over 6k u have to declare

But this money isn't for me to spend it's for kids but no way I could prove this to UC

Any ideas? Is there an account to access when 21 instead? I'm with natwest if that helps

Uc savings I have 10k of inheritance but still claiming tax credits at the minute I receive £86 for 2 children we don't get anything for our 3rd child born after April 2017 I earn about £1200 and my partner £1300 so we're no high earners we're also entitled to transitional protection will we be entitled to anything don't comment unless you know about Universal credit please thanks..