Junior ISAs

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Junior Cash ISAs

Saving towards a better financial future for your child

Click here to compare the best Junior Cash ISAs

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Cash Junior ISAs - Tax free cash savings accounts for children

Cash Junior ISAs are long term savings accounts for children where you can save up a lump sum of money for them over the medium to long term.

Any interest earned on the funds held within the account is tax free and the money remains safely locked away until the Child reaches 18 years old.

Junior Cash ISAs differ from Stocks and Shares Junior ISAs in that they just hold cash which makes them more vulnerable to the effects of inflation.

Many parents prefer the
Junior Cash ISA because of its simplicity and lower risk when compared to investment junior isas but due to the lower risk, it is likely that you may receive a lower return on your investment in the medium to long term when compared to Stocks and Shares Junior ISAs.

Compare Junior Cash ISAs

Please use our comparison table below to compare many of the UK’s leading Cash Junior ISA Rates

Junior ISA
Provider

Product name

Minimum
Investment

How to Apply

Further
Details

National Counties Building Society

National Counties
Cash Junior ISA

£1

In Branch
Via Post

Visit Site

Nationwide Building Society

Nationwide Smart
Junior ISA

£1

Online
In Branch
Via Post

Visit Site

Beverley Building Society

Beverley Junior
Cash ISA Account

£10

Via Post Only

Visit Site

Buckinghamshire Building Society

Buckinghamshire
Junior Cash ISA (JISA)

£10

Via Post Only

Visit Site

Skipton Building Society

Skipton Junior ISA

£1

In Branch Only

Visit Site

Darlington Building Society

Darlington
Junior Cash ISA

£1

Via Post Only

Visit Site

Dudley Building Society

Dudley Cash Junior ISA

£100

In Branch Only

Visit Site

Furness Building Society

Furness Junior ISA

£1

In Branch Only

Visit Site

Hanley Economic Building Society

The Hanley
Junior ISA

£10

In Branch Only

Visit Site

Harpenden Building Society

Harpenden
Junior Cash ISA

£10

In Branch Only

Visit Site

Ipswich Building Society

Ipswich
Cash Junior ISA

£10

In Branch
Via Post

Visit Site

Newbury Building Society

Newbury
Cash Junior ISA

£50

In Branch Only

Visit Site

The Mansfield Building Society

The Mansfield
Cash Junior ISA

£1

Telephone
Application
Only

Visit Site

Wesleyan Bank

Wesleyan Bank Cash
Junior Individual
Savings Account
(Junior ISA)

£10

Via Post Only

Visit Site

Bank of Cyprus UK

Bank of Cyprus
Junior Cash ISA

£25

Online
In Branch
Via Post

Visit Site

Looking For Junior Stocks and Shares ISAs?
Our comparison table above is for Junior Cash ISAs only. To compare Stocks and Shares Junior ISAs please click the button below.

Click here to compare Stocks and Shares Junior ISAs

Junior ISA Regulations

  • Junior ISAs are only available to children who live within the UK and do not hold a Child Trust Fund
  • You can invest up to £4000 per year tax free
  • Friends, Relatives & Grandparents can all contribute towards Junior ISAs
  • All funds held within Junior ISAs are safely locked away within the account until the child reaches 18
  • Only the parents or legal guardians can open a Children’s ISA on behalf of the child.
  • When the child reaches 18, the account will automatically change to a regular Stocks and Shares ISA and they can continue enjoying tax free savings.
  • Children can have both a cash and stocks & shares Junior ISA (only one of each permitted) but the total annual investment must not exceed £4000 per year.
  • Unlike the Child Trust Fund, the government will not be contributing towards it.
  • You cannot transfer a Child Trust Funds to Junior ISAs.
     
  • Stocks and Shares Junior ISAs   /    Junior Cash ISAs   /    Self Select Junior ISA   /    Transfer Child Trust Fund To Junior ISA
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