Children's Savings

Buckinghamshire Building Society Junior Saver Review

A children's savings account from Buckinghamshire Building Society. It ranks 64th of 73 children's savings accounts we track.

Variable rate

1.75%AER

Account type
Easy access
Maximum age
15
Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£50,000

Access

Instant

Interest paid

Yearly

How It Stacks Up

Ranks 64th of 73

Children's savings accounts we track

Well below average
This account 1.75%
UK CPI (Aug 2026)
3.10%
Pays 1.35% less
Average children's savings
2.92%
Pays 1.17% less
Best children's savings
5.50%
Pays 3.75% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

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A Good Fit For

  • Pro: New and existing savers
  • Pro: Savers who want instant access

Worth Weighing Up

  • Con: The rate is variable, so it can go down

Good to Know

Any adult can open and run this account for a child up to 16, and under-7s must have an adult operating it, but from age 7 the child can open and manage it themselves. Each child can only hold one account, in their sole name.

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Estimated returns with Buckinghamshire Building Society's Children's Savings

What you could earn with Buckinghamshire Building Society's Junior Saver.

Estimated interest

£1,000 saved

£17.50

At 1.75% AER

£5,000 saved

£87.50

At 1.75% AER

£10,000 saved

£175

At 1.75% AER

£50,000 saved

£875

At 1.75% AER

Estimated over one year, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Work out the tax on your interestSee how much of this interest could be taxed.

Our Expert Opinion on Buckinghamshire Building Society Junior Saver

Jonny PeaseCo-Founder, DepositScout

This instant-access children's account from Buckinghamshire Building Society pays 1.75% and is open to new and existing customers with as little as £1, making it a reasonable starting point for parents or grandparents wanting to put something aside for a child. I have no market comparison data to judge where it sits in the wider children's savings landscape, so I would still check around. The real catch is that 1.75% sits 1.35% below CPI inflation of 3.1% (Aug 2026), meaning the money loses purchasing power in real terms over time.

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2 alternatives to Buckinghamshire Building Society's Junior Saver

Same type of account, closest on rate.

Common questions about the Junior Saver

D

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Easy Access rate just dropped

A top provider just cut their rate. Here's what you need to know about the latest market shift.

Nationwide FlexSaver Rate Down
4.20% AER
4.75%
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