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   "institutionId": "uk.hanley-economic",
   "institution": "Hanley Economic",
   "family": "savings",
   "product": "Young Saver",
   "variant": null,
   "termMonths": null,
   "minBalance": null,
   "maxBalance": null,
   "currency": "GBP",
   "rate": "1.40",
   "basis": "AER",
   "rateKind": "variable",
   "conditions": {
    "rate_gross": "1.40",
    "audience": "children"
   },
   "recorded": "2026-11-01",
   "firstRecorded": "2026-11-01",
   "lastChanged": "2026-11-01",
   "status": "active",
   "restricted": false,
   "sourceUrl": "https://www.thehanley.co.uk/savings-rates",
   "evidence": {
    "r2Key": "uk.hanley-economic.savings-rates/2026/11/01/2026-11-01T12-01-14-275Z-7eb8d998.html",
    "sha256": "7eb8d9988ad8e5db7e4e956d307e6d20792cced0357ef38c79cb11724c755a22"
   }
  },
  {
   "id": "9951991c68721e57c375",
   "institutionId": "uk.nationwide",
   "institution": "Nationwide",
   "family": "savings",
   "product": "Children's Future Saver",
   "variant": "rate after 2 withdrawals",
   "termMonths": null,
   "minBalance": null,
   "maxBalance": null,
   "currency": "GBP",
   "rate": "1.35",
   "basis": "AER",
   "rateKind": null,
   "conditions": {
    "withdrawals": "After 2 withdrawals, the interest rate reduces to 1.35% AER/gross a year (variable) for the rest of the account year.",
    "reducedAfterWithdrawals": 2
   },
   "recorded": "2026-11-01",
   "firstRecorded": "2026-11-01",
   "lastChanged": "2026-11-01",
   "status": "active",
   "restricted": false,
   "sourceUrl": "https://www.nationwide.co.uk/savings/compare-savings-accounts-and-isas",
   "evidence": {
    "r2Key": "uk.nationwide.savings-rates/2026/11/01/2026-11-01T11-41-19-466Z-78bfaac1.html",
    "sha256": "78bfaac15e086d6617ee05c3df515f66b68a36f6a38ba2adcd47f8f3bbe5cd18"
   }
  },
  {
   "id": "36e208d910c43f94f6f1",
   "institutionId": "uk.sbi-uk",
   "institution": "State Bank of India (UK)",
   "family": "savings",
   "product": "SBI Jumbo Junior Instant Access Savings Account",
   "variant": "Issue 2 · £100 - £49,999.99",
   "termMonths": null,
   "minBalance": 100,
   "maxBalance": 49999.99,
   "currency": "GBP",
   "rate": "1.25",
   "basis": "AER",
   "rateKind": "variable",
   "conditions": {
    "rate_gross": "1.24"
   },
   "recorded": "2026-11-01",
   "firstRecorded": "2026-11-01",
   "lastChanged": "2026-11-01",
   "status": "active",
   "restricted": false,
   "sourceUrl": "https://sbiuk.statebank/interest-rates",
   "evidence": {
    "r2Key": "uk.sbi-uk.interest-rates/2026/11/01/2026-11-01T12-21-18-021Z-0c012523.html",
    "sha256": "0c0125236b8bc429216774c96306488849730d74e71909a10f27369091eb4827"
   }
  },
  {
   "id": "36849e63a12a510f2984",
   "institutionId": "uk.tsb",
   "institution": "TSB",
   "family": "savings",
   "product": "Young Saver",
   "variant": "£20,000+",
   "termMonths": null,
   "minBalance": 20000,
   "maxBalance": null,
   "currency": "GBP",
   "rate": "0.90",
   "basis": "AER",
   "rateKind": "variable",
   "conditions": {
    "eligibility": "children under 16; opened by an adult with a TSB personal current account",
    "interest": "quarterly",
    "rate_gross": "0.90",
    "pageDate": "2026-06-01"
   },
   "recorded": "2026-11-01",
   "firstRecorded": "2026-11-01",
   "lastChanged": "2026-11-01",
   "status": "active",
   "restricted": true,
   "sourceUrl": "https://www.tsb.co.uk/content/dam/tsb-public/documents/savings/TSB12121-onsale-brochure.pdf",
   "evidence": {
    "r2Key": "uk.tsb.savings/2026/11/01/2026-11-01T12-01-37-039Z-05c614a1.pdf",
    "sha256": "05c614a1110d23c4fd5b305aff70840ceb9b0ca86bc5851c270eea4f16f5fd55"
   }
  },
  {
   "id": "bcb8b1866681af0529ba",
   "institutionId": "uk.barclays",
   "institution": "Barclays",
   "family": "savings",
   "product": "Barclays Children's Savings",
   "variant": "on balances over £10,000",
   "termMonths": null,
   "minBalance": 10000,
   "maxBalance": null,
   "currency": "GBP",
   "rate": "0.85",
   "basis": "AER",
   "rateKind": "variable",
   "conditions": {
    "withdrawals": "unlimited",
    "rate_gross": "0.85"
   },
   "recorded": "2026-11-01",
   "firstRecorded": "2026-11-01",
   "lastChanged": "2026-11-01",
   "status": "active",
   "restricted": false,
   "sourceUrl": "https://www.barclays.co.uk/savings/",
   "evidence": {
    "r2Key": "uk.barclays.savings/2026/11/01/2026-11-01T11-41-01-897Z-c3ce6186.html",
    "sha256": "c3ce6186005e2903b527cbeb5db7e77e6c58a27275f3225a6d21c82d435a9da2"
   }
  },
  {
   "id": "98eb89983363434475d2",
   "institutionId": "uk.saffron",
   "institution": "Saffron",
   "family": "savings",
   "product": "Childrens Easy Access Maturity AI",
   "variant": null,
   "termMonths": null,
   "minBalance": null,
   "maxBalance": 250000,
   "currency": "GBP",
   "rate": "0.70",
   "basis": "AER",
   "rateKind": "variable",
   "conditions": {
    "minimumDeposit": 1,
    "interest": "annually",
    "eligibility": "This is a default product - it will be opened with funds from a Saffron account that has finished its fixed term and you can top up your funds."
   },
   "recorded": "2026-11-01",
   "firstRecorded": "2026-11-01",
   "lastChanged": "2026-11-01",
   "status": "active",
   "restricted": false,
   "sourceUrl": "https://www.saffronbs.co.uk/savings/savings-accounts/compare-our-accounts",
   "evidence": {
    "r2Key": "uk.saffron.savings-rates/2026/11/01/2026-11-01T11-41-27-262Z-3e9458ce.html",
    "sha256": "3e9458ce17849ec56a62de4e8d1f0764a395c2888c04d1770cf7ec9c49161a40"
   }
  }
 ],
 "note": "Recorded from each bank's own public page. Quote `recorded` with every rate. Regular savers (fixed monthly deposits), children's accounts, health savings accounts and 0% lending offers are listed apart from the ranking, as on the site. Not advice."
}