What interest rate does the Saffron Building Society Ladybird 1 Year Fixed Rate Bond pay?

The Saffron Building Society Ladybird 1 Year Fixed Rate Bond pays 4.10% AER fixed.

How much interest could I earn?

Saving £10,000 for 1 year would earn about £410 at 4.10% AER. This assumes the rate stays the same and interest stays in the account.

How much can I pay in?

You can deposit at least £500 and up to £25,000.

When is interest paid?

Interest is paid at the end of the term.

How does it compare with other children's savings accounts?

At 4.10% AER it ranks 9th of 73 children's savings accounts we track. The best pays 5.50% and the average is 2.92%.

Dashboard

Children's Savings

Saffron Building Society Ladybird 1 Year Fixed Rate Bond Review

One of the best-paying children's savings accounts, from Saffron Building Society. It ranks 9th of 73 children's savings accounts we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate

4.10%AER

Account type: Fixed rate
Maximum age: 17

Rate checked Oct 2026Got this account? Leave a review

Min balance

£500

Max balance

£25,000

Term

1 Year

Interest paid

On Maturity

How It Stacks Up

Ranks 9th of 73

Children's savings accounts we track

Among the best

This account 4.10%

UK CPI (Aug 2026): 3.10%; Pays 1.00% more
Average children's savings: 2.92%; Pays 1.18% more
Best children's savings: 5.50%; Pays 1.40% less

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

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Good to Know

£500 to £25,000. Interest paid in full at maturity. Open to children up to 17.

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

What you could earn with Saffron Building Society's Ladybird 1 Year Fixed Rate Bond.

Estimated interest

£1,000 saved

£41.00

At 4.1% AER

£5,000 saved

£205

At 4.1% AER

£10,000 saved

£410

At 4.1% AER

£25,000 saved

£1,025

At 4.1% 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 Saffron Building Society Ladybird 1 Year Fixed Rate Bond

Jan WatermannCo-Founder, DepositScout

The Ladybird 1 Year Fixed Rate Bond is aimed at parents or guardians looking to lock away a lump sum for a child, with deposits between £500 and £25,000 accepted. At 4.10%, the rate sits 1.00% above CPI inflation of 3.1% (Aug 2026), so the money does grow in real terms. The main catch is that funds are locked for one year with interest paid only at maturity. If you want slightly more, Kent Reliance's Demelza Children's Savings Account pays 4.18% and Saffron's own two-year version pays 4.15%.

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2 alternatives to Saffron Building Society's Ladybird 1 Year Fixed Rate Bond3 alternatives to Saffron Building Society's Ladybird 1 Year Fixed Rate Bond

Same type of account, closest on rate.

Common questions about the Ladybird 1 Year Fixed Rate Bond

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