Juno's on the scent…
Juno's on the scent…
Ranked by rate alone. No paid placements: who pays us has no say in the order.
A capped amount each month, so a child earns about half the headline rate on what is saved.
16 accounts, highest AER first
| Rank# | Account | AER | Monthly limit |
|---|---|---|---|
| 1 | Monmouthshire Building Society Young Regular Saver (Issue 1)Beats inflationOpen in branch or agencyDetails for Monmouthshire Building Society Young Regular Saver (Issue 1)
| 6.00% | £100 a month |
Highest AER first, then the lower minimum deposit. Ranking rules version 1.2.0. AER shows what you'd earn in a year including any bonus. Rates can change at any time: check with the bank before you apply. Lifetime ISA rates are the provider's interest only; the government's 25% bonus is not in the AER. Lifetime ISAs, Junior ISAs and children's accounts are ranked only against their own kind, and Premium Bonds, which pay prizes rather than interest, are never ranked: see NS&I and Premium Bonds. NS&I accounts are backed by HM Treasury, not the FSCS. We list accounts held directly with the bank, not savings sold through apps and platforms such as Revolut, Trading 212 or Raisin. "Beats inflation" means the AER, and the rate after any bonus, is above CPI inflation of 3.5% (September 2026, ONS), before tax. How we rank, what we don't list and how we're paid.
| 2 | Hanley Economic Building Society Smarter Future Saver (CTAR01)Beats inflationRate on up to £1,200Details for Hanley Economic Building Society Smarter Future Saver (CTAR01)
| 5.50% | £100 a month |
| 3 | Penrith Building Society Junior Affinity Regular SaverBeats inflationDetails for Penrith Building Society Junior Affinity Regular Saver
| 4.45% | £100 a month |
| 4 | Penrith Building Society Junior Affinity Regular Saver - Supporting Penrith RUFC JuniorsBeats inflationDetails for Penrith Building Society Junior Affinity Regular Saver - Supporting Penrith RUFC Juniors
| 4.45% | £100 a month |
| 5 | Progressive Building Society Childrens Regular Saver AccountBeats inflationDetails for Progressive Building Society Childrens Regular Saver Account
| 4.00% | £1 |
| 6 | Skipton Building Society Young Regular SaverBeats inflationDetails for Skipton Building Society Young Regular Saver
| 4.00% | £1 |
| 7 | Suffolk Building Society Children's Regular Saver (Trust)Beats inflationDetails for Suffolk Building Society Children's Regular Saver (Trust)
| 4.00% | £200 a month |
| 8 | Principality Building Society 3 Year Children's Regular SaverBeats inflationRate on up to £5,400Details for Principality Building Society 3 Year Children's Regular Saver
| 4.00% | £150 a month |
| 9 | Saffron Building Society Ladybird Regular SaverBeats inflationDetails for Saffron Building Society Ladybird Regular Saver
| 3.95% | £100 a month |
| 10 | Vernon Building Society Junior Regular SaverBeats inflationOpen in branchDetails for Vernon Building Society Junior Regular Saver
| 3.75% | £100 a month |
| 11 | Darlington Building Society Darly Young Saver AccountBeats inflationDetails for Darlington Building Society Darly Young Saver Account
| 3.70% | £200 a month |
| 12 | Hinckley & Rugby Building Society Children's Regular SaverBeats inflationDetails for Hinckley & Rugby Building Society Children's Regular Saver
| 3.65% | £1 |
| 13 | Mansfield Building Society Young Regular Saver (3rd issue)Beats inflationDetails for Mansfield Building Society Young Regular Saver (3rd issue)
| 3.65% | £1 |
| 14 | Furness Building Society Pocket Money SaverDetails for Furness Building Society Pocket Money Saver
| 3.25% | £1 |
| 15 | Dudley Building Society My Squirrel SaverDetails for Dudley Building Society My Squirrel Saver
| 2.35% | £150 a month |
| 16 | Chorley Building Society Children's Regular SaverDetails for Chorley Building Society Children's Regular Saver
| 1.50% | £150 a month |