Children's Savings

Saffron Building Society Ladybird Legacy Account Review

A competitive children's savings account from Saffron Building Society. It ranks 21st of 73 children's savings accounts we track.

Variable rate

3.50%AER

Account type
Easy access
Maximum age
20
Rate checked Oct 2026Got this account? Leave a review

Min balance

£1

Max balance

£100,000

Access

Limited withdrawals

Interest paid

Yearly

How It Stacks Up

Ranks 21st of 73

Children's savings accounts we track

Above average
This account 3.50%
UK CPI (Aug 2026)
3.10%
Pays 0.40% more
Average children's savings
2.92%
Pays 0.58% more
Best children's savings
5.50%
Pays 2.00% 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

Issue 1. Tiered by balance: 3.50% up to £25,000, 4.00% from £25,000 and 4.30% from £50,000, so the rate rises as the pot grows. £1 to £100,000. Interest paid yearly, added to the account or paid away. Open up to age 20.

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

What you could earn with Saffron Building Society's Ladybird Legacy Account.

Estimated interest

£1,000 saved

£35.00

At 3.5% AER

£5,000 saved

£175

At 3.5% AER

£10,000 saved

£350

At 3.5% AER

£100,000 saved

£3,500

At 3.5% 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 Legacy Account

Jan WatermannCo-Founder, DepositScout

The Ladybird Legacy Account from Saffron Building Society pays 3.50% on balances from £1 up to £100,000, which at least beats CPI inflation of 3.1% by 0.40% in real terms. I have no market comparison data for this account, so I cannot say how it ranks against the broader children's savings field, and I would note that withdrawals are limited, which is the main practical constraint. If you want a slightly better rate, Earl Shilton Building Society's Young Saver currently pays 3.60%.

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2 alternatives to Saffron Building Society's Ladybird Legacy Account

Same type of account, closest on rate.

Common questions about the Ladybird Legacy Account

D

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4.20% AER
4.75%
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