Q: I have a 20-month-old daughter and another baby due at the end of April.
I would like to set up savings accounts for both of them and I wondered whether you would recommend a particular bank?
Alternatively, would I be better off going for a post office or a credit union account?
A: I have two girls (nine and six) and I have two AIB Parent Saver accounts. These accounts pay 5pc, but for a year only and there is a €200 monthly maximum you can put into each. After a year, the money is transferred into a parent deposit account paying 0.5pc.
By Charlie Weston ©Independent.ie
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