Children's Savings

Stafford Building Society First Track Review

A children's savings account from Stafford Building Society. It ranks 49th of 74 children's savings accounts we track.

Variable rate

2.35%AER

Account type
Easy access
Maximum age
17
Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£50,000

Access

Instant

Interest paid

Yearly

How It Stacks Up

Ranks 49th of 74

Children's savings accounts we track

Well below average
This account 2.35%
UK CPI (Aug 2026)
3.10%
Pays 0.75% less
Average children's savings
2.92%
Pays 0.57% less
Best children's savings
5.00%
Pays 2.65% less

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

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A Good Fit For

  • Pro: New and existing savers
  • Pro: Savers who want instant access

Worth Weighing Up

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

Good to Know

The child can hold a maximum of one individual First Track account with the Society. The account trustee(s) can be the named trustee(s) across multiple First Track accounts.

Please verify all details with the provider – see our Disclaimer

See all Stafford Building Society accounts

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

What you could earn with Stafford Building Society's First Track.

Estimated interest

£1,000 saved

£23.50

At 2.35% AER

£5,000 saved

£118

At 2.35% AER

£10,000 saved

£235

At 2.35% AER

£50,000 saved

£1,175

At 2.35% 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 Stafford Building Society First Track

Jonny PeaseCo-Founder, DepositScout

The First Track is an instant-access children's savings account from Stafford Building Society, paying 2.35% yearly on balances from £1 up to £50,000. Since market data is not available I cannot say how it sits against the wider children's savings market, but I would note that the rate is 0.75% below CPI inflation of 3.1% as of Aug 2026, meaning money here loses purchasing power in real terms. If you want to shop around at the same rate, West Brom Building Society and Dudley Building Society both currently offer 2.35% on comparable children's accounts.

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2 alternatives to Stafford Building Society's First Track

Same type of account, closest on rate.

Common questions about the First Track

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