Children's Savings

Stafford Building Society First Track (Children) Review

A children's savings account from Stafford Building Society. It ranks 47th of 73 children's savings accounts we track.

Variable rate

2.35%AER

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

Protection

FSCS£120,000

Min balance

£1

Max balance

£50,000

Access

Instant

Interest paid

Annually

How It Stacks Up

Ranks 47th of 73

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
5.50%
Pays 3.15% 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

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

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

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 (Children)

Jan WatermannCo-Founder, DepositScout

Stafford Building Society's First Track is a straightforward instant-access children's account paying 2.35%, open to new and existing customers with as little as £1 up to £50,000. The rate sits 0.75% below CPI inflation of 3.1% as of Aug 2026, so in real terms the money is losing purchasing power, which is worth being honest with parents about. Without market comparison data I cannot say where it stands competitively, though West Brom Building Society's Children's West Brom Access Account and two Dudley Building Society options all pay the same 2.35% if you want to shop around.

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2 alternatives to Stafford Building Society's First Track (Children)

Same type of account, closest on rate.

Common questions about the First Track (Children)

D

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Easy Access rate just dropped

A top provider just cut their rate. Here's what you need to know about the latest market shift.

Nationwide FlexSaver Rate Down
4.20% AER
4.75%
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