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Charity Bank, which loans money to good causes, offers a Small Steps children's savings account which gives relatives and friends an alternative to giving cash at Christmas.
Good points
Money in the account earns interest while it supports charities. The bank publishes details of every loan it makes and encourages savers to visit local projects to learn how their cash is doing good.
Bad points
Interest paid is 2 per cent. There are better-paying deals out there aimed at kids.
Conclusion
Opening a savings account for children at Christmas is a great first step in helping them learn about money. The Charity Bank goes further in helping kids see how their money can be used for socially useful projects.
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