The children's savings accounts, cash junior Isa and youth account categories were judged by

Anna Bowes, director, used two years worth of data to reveal the accounts that had consistently paid the highest rates over that time. Accounts needed to have instant access, low minimum deposits and be available nationwide.The winner in the pension category was the winner of the best stakeholder pension category in the Moneywise Pension Awards 2013.

The winners of the best junior Isa investment scheme and best children's investment scheme were judged by a panel of independent judges including: Gavin Haynes, managing director, Whitechurch Securities; Nick McBreen, IFA, Worldwide Financial Planning; Tim Cockerill, head of collectives research at Rowan Dartington; and Wayne Evans, financial planner at Heron House Financial Management. We asked them to take into account investment quality and choice as well as charges and accessibility.

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