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Moze HSBC High interest saving account??
Zerknij tutaj.

Zreszta o bankach i rodzajach kont, pisano juz troszke
Np. tutaj, tutaj
tu info z poradnika, http://www.mojawyspa.co.uk/forum/55/11597/ISA-Individual-Savings-Account-w-Barclays

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Ja zalozylam HISA jak syn mial prawie 6 lat. Wyglada to w ten sposob, ze konto jest zakladane na Ciebie ,ale na statement bedzie widnialo Twoje imie+nazwisko oraz imie i nazwisko dziecka.

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Normalne konto można założyć dziecku po ukończeniu 11-tego roku życia.Otrzymuje kartę tylko do wypłaty z bankomatu.
Tak jest napewno bo niedawno zakładałam mojej córeczce.

A moja ma konto takie od 11 do 16 lat z karta do bankomatu i moze placic tez w sklepie.

Ostatnio tez Lloyds TSB proponuje konto bankowe dla osob ponizej 19 roku zycia

Cash ISA. Applicants must be 16 years old and over, and resident and ordinarily resident in the UK for tax purposes (barclays.co.uk)

http://www.moneysavingexpert.com/savings/child-savings-tax-free#maximising

Top Fixed Kids Savings

Halifax Regular Saver 6%. Earn interest if you can save regularly

Halifax's Children's Regular Saver account, pays a whopping 6%, fixed for a year. Yet there are some pretty strict conditions; you must pay in between £10 and £100 every month, and if you miss a monthly payment, or make a withdrawal, the account's closed and you only get 1.55% interest for the whole period (read my full Regular Savings guide for full pros and cons of these accounts).
As the 6% rate only lasts a year, the maximum you can pay in is £1,200, meaning the average balance you can have in is £600. Not such a huge sum, but it still pays better than elsewhere. After a year, all the money is transferred to a Halifax Save4it account (which is a decent payer - see below).

However, you can beat this restriction, as ANY adult can open 1 account in trust for any given child under 16 i.e. If Mum, Dad, Uncle Jack, Aunty Jill and Dave from down the pub all want to open an account in trust for little Tommy, then 5 of these 6% paying accounts can be opened.

To maximise the interest potential of this high rate, you can stash the whole £1,200 in a savings account rather than a current account, then drip-feed the monthly payments from there into the Halifax Regular Saver so high rates of interest are being earned on the full amount.

Top Variable Kids Savings

These interest rates aren't fixed. They can change both with Bank of England UK base rate moves and as Banks decide to be more or less competitive, so it's important to monitor them regularly; a good lesson for children to learn. If the rate does drop, move the cash! For fixed rate kids' savings account, where the money is locked away, see above.

Chelsea BS 2%. Top rate, but branch/post only

If you've used up Halifax, or don't want the restrictions, then the next highest rate is Chelsea BS's Ready Steady Save, which pays 2% on savings from £1 up. It's operated by branch or post, and is totally instant access.

Close behind is Yorkshire Building Society's One Day account, paying 1.75% on savings from £10. You can make unlimited penalty-free withdrawals, and it's operated via branches only.

In April 2009, financial strength rating's agency Moodys substantially downgraded a heap of banks and building societies, including Chelsea and Yorkshire (read Building Society Downgrades news) meaning it's more important to be watchful about not going beyond the £50,000 government guarantee. For full info read the Are Your Savings Safe? guide.



Halifax 1.05%. Top rate for online access

If you want online access to the account, Halifax is top again; its instant access Save4it account pays 1.05% from £1 and is available online, in branch or over the phone.

Behind this, Nationwide's Smart account pays 0.75% from £1, and can be managed at a branch or online.