Savings account for children

[Dazzband]

Can anyone suggest a savings account that cannot be accessed untill they are 21. I have a savings account for my kids that I keep dipping into when I'm low on money. Can anyone please suggest an account that I cannot touch ?

There aren't any- because people are considered adults at 18, therefore they'll have full access then. The only way to protect for longer is to set up a trust, and I don't know the process for that I'm afraid.

If you dip into them you clearly need the money though.

Junior ISA’s won’t let you access the money but it’s accessible at 18