Smart Pennies Junior Savings

Smart Pennies Junior Savings is our savings account made just for children. Pop into a branch with a grown-up, or save through your school's Smart Pennies savings club. Whichever suits you best, those pennies will soon start adding up.

Junior savings: little savers, big habits

Smart Pennies Junior Savings is our savings account made just for children. Pop into a branch with a grown-up, or save through your school's Smart Pennies savings club. Whichever suits you best, those pennies will soon start adding up.

For Parents

Child on sofa with parents in a smart money cymru branch

Help your child start saving

Saving early helps children learn the value of money, build good habits and feel proud of what they've achieved. With Smart Pennies, your child saves safely with a trusted Welsh community credit union, and you can choose what works best for your family.

  • Safe saving with a Welsh community credit union
  • Easy to start, in branch or at school
  • Builds money skills they'll use for life
  • From birth to 15

Junior Application Form

For Children

child dropping money in to a blue ceramic money box

Ready to be a saver?

Got pennies to save?

Bring them in and watch them grow! You can save with a grown-up at one of our branches or at your school's Smart Pennies Club, run by pupils just like you.

For Schools

School Smart Pennies Club 

Smart Pennies savings clubs are run by pupils, supported by school staff or volunteers.

Pupils gain hands-on experience of money management and cash handling, and learn how saving really works.

A savings club brings money skills to life beyond the classroom, with pupils taking on real responsibility and building confidence. They'll also see how a real community credit union works, and feel proud helping classmates save.

Set Up A Savings Club