mm I can add that you think your children are sensible and grandparents save money for them, they get it when they are 18 or 21 and then the children can do things like cash in their ISA to travel the world- which is not really what the grandparent had in mind............... (.and you can get stuck in the middle of all this- even when they are 25. its a mine field. Who is to say what they do with their money :(