Does anyone know at what age children's money is treated as being their money rather than their parents? Currently my childrens' bank accounts are set up as "my name" for "their name"and I assume that if I was run over by a bus tomorrow their money would be treated as forming part of my estate even though it is not mine it has been collected from various gifts etc over the years. Is the money always treated as mine until they are 18 or are their accounts which can be held in their name without my name being on the account?