Children's Savings

Principality Building Society 3 Year Children's Regular Saver Review

One of the best-paying children's savings accounts, from Principality Building Society. It ranks 10th of 73 children's savings accounts we track.

Variable rate

4.00%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

Regular saver rules apply

Interest paid

Annually

How It Stacks Up

Ranks 10th of 73

Children's savings accounts we track

Among the best
This account 4.00%
UK CPI (Aug 2026)
3.10%
Pays 0.90% more
Average children's savings
2.92%
Pays 1.08% more
Best children's savings
5.50%
Pays 1.50% 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

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

What you could earn with Principality Building Society's 3 Year Children's Regular Saver.

Estimated interest

£1,000 saved

£125

At 4% AER

£5,000 saved

£624

At 4% AER

£10,000 saved

£1,249

At 4% AER

£50,000 saved

£6,243

At 4% AER

Estimated over the 36-month term, 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 Principality Building Society 3 Year Children's Regular Saver

Jan WatermannCo-Founder, DepositScout

This account is aimed at parents or guardians looking to build a pot for a child over three years, with a fixed 4% rate that at least beats August 2026 CPI of 3.1% by 0.90%. Since market data is not supplied I cannot say where it sits competitively, but the Saffron Building Society Ladybird 1 Year Fixed Rate Bond offers 4.10% if you want a slightly higher rate. The main catch is that regular saver rules apply, so deposits and access will be restricted throughout the three-year term.

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2 alternatives to Principality Building Society's 3 Year Children's Regular Saver

Same type of account, closest on rate.

Common questions about the 3 Year Children's Regular Saver

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4.20% AER
4.75%
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