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Best bank for kids

10 replies

ambitiousgoose · 18/05/2026 11:17

Hello!
want to set up a bank/savings account for my 2 children. Does anyone have any recommendations? We are based in the UK. Thanks!

OP posts:
Bagsoflifewipedout · 18/05/2026 11:26

How old are the children?
My youngest 2 have a nationwide current account with a 5% savings account which I would recommend for older dc.

ConBatulations · 19/05/2026 07:03

Age of kids?
Access to account now or at 18?
Long term savings or short term to act more like a current account?
Regular savings or lump sum?
Do you want control, oversight or let the kids be in charge?
Who do you bank with and what do they offer?

Best interest rates here:
moneyfactscompare.co.uk/savings-accounts/childrens-savings-accounts/

Yeahyeahyeahnooooo · 19/05/2026 07:19

It depends wildly, do you want them to have access to the savings? Are they long or short term?

CurlewKate · 19/05/2026 07:36

My DS had a Monzo account when he was about 11-and still has it now in his early 20s. Has always worked well for him…

ambitiousgoose · 19/05/2026 11:19

Sorry my children are young - 3 & 1 - it will be used for savings

OP posts:
MyCottageGarden · 19/05/2026 11:58

Rooster are fantastic you can transfer in & out and if you already bank with NatWest then it’s completely free! Use my referral code for £10 free https://roostermoney.com/referrals/5HX2V-J
You can also add savings pots and do activities which teach them about financial management etc

Jopo12 · 19/05/2026 21:51

They are too young to manage their own money and spending at the moment, so you don't need normal bank accounts for them yet.

Firstly, do you want savings for when they are 18, or savings for now to buy more expensive pressies for them, or savings for their pension?

If you want to save to when they are 18, you should open junior stocks and shares ISAs for them. Invest in a couple of global tracker funds for each of them and put money in each year. This will grow exponentially by the time they are 18 and they will have house deposits when they leave home

If you want short term savings (perhaps useful when they are 10+ and want to buy a computer game, clothes, a new Xbox etc) then you can add savings pots to your own account (we do this on Chase, just name another account after my son and he can save into that), this way they can earn interest on the savings.
Or you can use Rooster with Natwest - it's free if the parent has an account. They will be able to use it when they are older and you can keep track on the app. But there's no interest on a Rooster account.

Finally, did you know you can open pensions for your kids - you can put in £2880 per year and the gvt give them a tax rebate, grossing it up to £3600. You don't have to put the full amount in each year, but just a little will give them a next egg to build on when they get their first jobs, and they can start adding to it without having to think about how to set up their own.

confusedlots · Yesterday 18:22

If it’s for savings, set them up with S&S ISA’s, they have time on their side which will help massively with compounding. Or if you don’t want them to have access at 18, save for them in an ISA in your own name if you haven’t used your own allowance.

Our kids also have Monzo accounts where they keep a small amount of savings/birthday money etc. It’s good for them to see the interest being added on money they are saving and they can have pots for different things they are saving up for, or to see how much money they have earned from doing jobs etc. And when they are older and out and about without us, they can have access to their card. And I get notified of any payments etc.

MsJJones · Yesterday 18:30

For everyday spends & pocket money we had Rooster which I liked but it was expensive without a Natwest account. Just switched to Monzo which seems good so far. Cards are attached to my account but DS can also access his directly on his phone.

We have savings accounts for them both too but the amounts are very small.

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