What interest rate does the Saffron Building Society Ladybird 2 Year Fixed Rate Bond pay?

The Saffron Building Society Ladybird 2 Year Fixed Rate Bond pays 4.15% AER fixed.

How much interest could I earn?

Saving £10,000 for 2 years would earn about £847 at 4.15% 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 on each anniversary of opening.

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

At 4.15% AER it ranks 7th of 73 children's savings accounts we track. The best pays 5.50% and the average is 2.92%.

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Children's Savings

Saffron Building Society Ladybird 2 Year Fixed Rate Bond Review

One of the best-paying children's savings accounts, from Saffron Building Society. It ranks 7th of 73 children's savings accounts we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate

4.15%AER

Account type: Fixed rate
Maximum age: 16

Rate checked Oct 2026Got this account? Leave a review

Min balance

£500

Max balance

£25,000

Term

2 Years

Interest paid

Anniversary

How It Stacks Up

Ranks 7th of 73

Children's savings accounts we track

Among the best

This account 4.15%

UK CPI (Aug 2026): 3.10%; Pays 1.05% more
Average children's savings: 2.92%; Pays 1.23% more
Best children's savings: 5.50%; Pays 1.35% less

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

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Good to Know

£500 to £25,000. Interest added to the bond each year on the anniversary of opening. Open to children up to 16.

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

What you could earn with Saffron Building Society's Ladybird 2 Year Fixed Rate Bond.

Estimated interest

£1,000 saved

£84.72

At 4.15% AER

£5,000 saved

£424

At 4.15% AER

£10,000 saved

£847

At 4.15% AER

£25,000 saved

£2,118

At 4.15% AER

Estimated over the 24-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 Saffron Building Society Ladybird 2 Year Fixed Rate Bond

Jan WatermannCo-Founder, DepositScout

Saffron Building Society's Ladybird 2 Year Fixed Rate Bond pays 4.15% fixed for two years, which at least beats CPI inflation of 3.1% by 1.05 percentage points as of Aug 2026, so the money grows in real terms. It suits parents or guardians looking to lock away a lump sum for a child, with deposits accepted between £500 and £25,000 and interest paid annually on the anniversary. The main catch is that the money is tied up for the full two years with no access. If you want a slightly higher rate, Kent Reliance's Demelza Children's Savings Account is in the alternatives at 4.18%.

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

Same type of account, closest on rate.

Common questions about the Ladybird 2 Year Fixed Rate Bond

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