Children's Savings

Stafford Building Society First Track Children’s Saver Review

A children's savings account from Stafford Building Society. It ranks 49th of 73 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

Annually

How It Stacks Up

Ranks 49th 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
2.93%
Pays 0.58% 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

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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’s Saver.

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’s Saver

Jan WatermannCo-Founder, DepositScout

This account suits parents or grandparents wanting a straightforward instant-access home for a child's savings, with a minimum of just £1 and a ceiling of £50,000. The 2.35% rate is 0.75% below CPI inflation of 3.1% as of Aug 2026, so the money loses purchasing power in real terms. I have no market comparison data for this one, so I would still check alternatives such as West Brom Building Society's Children's West Brom Access Account, which also pays 2.35%. Interest lands once a year on 31 October, which is worth noting if timing matters.

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2 alternatives to Stafford Building Society's First Track Children’s Saver

Same type of account, closest on rate.

Common questions about the First Track Children’s Saver

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