Children's Savings

Hinckley & Rugby Building Society Children's Regular Saver Review

A competitive children's savings account from Hinckley & Rugby Building Society. It ranks 16th of 73 children's savings accounts we track.

Variable rate

3.65%AER

Account type
Regular saver
Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

No limit

Access

Locked until 18

Interest paid

Annually

How It Stacks Up

Ranks 16th of 73

Children's savings accounts we track

Above average
This account 3.65%
UK CPI (Aug 2026)
3.10%
Pays 0.55% more
Average children's savings
2.92%
Pays 0.73% more
Best children's savings
5.50%
Pays 1.85% less

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

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Worth Weighing Up

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

Good to Know

Opened and managed by an adult aged 18 or over. Matures when the child turns 18, with no withdrawals expected before then.

Please verify all details with the provider – see our Disclaimer

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Estimated returns with Hinckley & Rugby Building Society's Children's Savings

What you could earn with Hinckley & Rugby Building Society's Children's Regular Saver.

Estimated interest

£1,000 saved

£36.50

At 3.65% AER

£5,000 saved

£182

At 3.65% AER

£10,000 saved

£365

At 3.65% AER

£50,000 saved

£1,825

At 3.65% 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 Hinckley & Rugby Building Society Children's Regular Saver

Jonny PeaseCo-Founder, DepositScout

This account is aimed at parents or guardians who want to build a pot steadily for a child, with up to £250 a month going in from as little as £1. The rate is 3.65%, which sits 0.55% above CPI inflation of 3.1% as of Aug 2026, so the money is at least growing in real terms. The catch is that access is locked until the child turns 18, so this suits long-term savers only. Skipton Building Society's Children's Saver matches the same 3.65% if you want an alternative.

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2 alternatives to Hinckley & Rugby Building Society's Children's Regular Saver

Same type of account, closest on rate.

Common questions about the Children's Regular Saver

D

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4.20% AER
4.75%
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