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Junior ISA

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options ISA Information ISA Access SG Verdict
Bath Building Society
3.15% £1 / Maximum

Branch
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Branch
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  • Paid Annually

Transfers in only permitted from Junior Cash ISAs and Child Trust Funds

Withdrawals are not permitted until the child is 18

Further additions allowed up to the £9,000 annual limit

Currently restricted to children who live, work or study in Bath, or whose parents, grandparents or legal guardian have been a Bath Building Society customer for at least the past 12 months.

Bath is one of the smallest building societies in the UK, looking after £225m of deposits.

Coventry Building Society
2.45% £1 / No Maximum

Branch
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Telephone

Branch
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Telephone

  • Paid On Maturity

Transfers in accepted from: cash and stocks & shares Junior ISAs, Child Trust Funds

Withdrawals are not permitted until the child is 18

Further additions allowed up to the £9,000 annual limit

Until a recent rate reduction, this was best paying Junior ISA account in the market.  Coventry, which is the 2nd largest building society in the UK looking after £38.2bn of deposits, has consistently topped the Junior ISA best buys.

Darlington Building Society
3.00% £1 / No Maximum

Branch
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Post
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Branch
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Post
Telephone

  • Paid Annually
  • Paid 31st December
  • Added to the account

Transfers in accepted from: cash and stocks & shares Junior ISAs, Child Trust Funds

Withdrawals are not permitted until the child is 18

Further additions allowed up to the £9,000 annual limit

This JISA can be opened on behalf of the child, by a parent or guardian with parental responsibility or by the child themselves once they turn 16.  Whoever opens the account simply needs to be an existing Society member or a new customer who lives in one of the following postcode areas: DL, DH, SR, TS, YO or HG.

Darlington has nine branches across the north east and looks after £561m of savings, and is the 21st largest building society in the UK

Dudley Building Society
2.50% £2,500 / £500,000

Branch
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Branch
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  • Paid Away or Compounded
  • Paid Annually
  • Paid 30th September

Transfers in permitted from: Junior Cash ISAs, Junior Stocks & Shares ISAs, Child Trust Funds

Withdrawals are not permitted until the child is 18

Further additions allowed up to the £9,000 annual limit

The best paying Junior ISA without any eligibility restrictions.

Dudley looks after £446m of savings and is the 25th largest building society in the UK

Family Building Society
2.40% (£3,000+) 1.65% (£1+) £1 / No Maximum

Branch
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Post
Telephone

Branch
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Post
Telephone

  • Paid Annually
  • Added to the account
  • Paid 30th September

Transfers in accepted from: cash Junior ISAs

Withdrawals are not permitted until the child is 18

Further additions allowed up to the £9,000 annual limit

Epsom based Family Building Society is part of National Counties Building Society, the 11th largest in the UK.  It looks after over £2bn of savings.

Halifax
2.00% £1 / No Maximum

Branch
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Branch
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Post
Telephone

  • Paid Annually
  • Added to the account
  • Paid 5th April

Transfers in accepted from: cash and stocks & shares Junior ISAs, Child Trust Funds

Withdrawals are not permitted until the child is 18

Further additions allowed up to the £9,000 annual limit

Halifax is part of Lloyds Banking Group, the largest savings provider in the UK, and has consistently been one of the best paying providers of children's savings accounts.

Lloyds Bank
1.50% £1 / No Maximum

Branch
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Internet
Post
Telephone

Branch
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Post
Telephone

  • Paid Annually
  • Added to the account
  • Paid 31st March

Transfers in accepted from: cash and stocks & shares Junior ISAs, Child Trust Funds

Withdrawals are not permitted until the child is 18

Further additions allowed up to the £9,000 annual limit

Lloyds Banking Group is the largest savings provider in the UK looking after £412bn of deposits

Loughborough Building Society
2.50% £1 / No Maximum

Branch
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Telephone

Branch
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Post
Telephone

  • Paid Annually
  • Paid 31st December
  • Added to the account

Cash Junior ISA transfers are accepted

Withdrawals are not permitted until the child is 18

Further additions allowed up to the £9,000 annual limit

Loughborough has five branches and looks after £249m of savings, making it the 32nd largest building society in the UK

Monmouthshire Building Society
2.25% £10 / No maximum

Branch
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Post
Telephone

Branch
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Post
Telephone

  • Paid Annually
  • Added to the account
  • Paid 31st March

- Transfers in accepted from: Cash Junior ISAs and Child Trust Funds

Withdrawals are not permitted until the child reaches 18

Additions are allowed

Monmouthshire Building Society is based in Newport and was founded in 1869.  It looks after £818m of savers deposits.

NS&I
1.50% £1 / £9,000

Branch
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Post
Telephone

Branch
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Post
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  • Paid Annually
  • Added to the account
  • Paid 6th April

Transfers in accepted from: cash and stocks and shares Junior ISAs

Withdrawals are not permitted until the child is 18

Further additions are allowed up to the £9,000 annual limit

National Savings & Investments is not a bank but is backed by the UK government and therefore is 100% safe.  It is one of the largest savings providers in the UK, looking after £203bn of savings with over 25 million customers.

Skipton Building Society
2.10% £1 / No maximum

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Annually
  • Added to the account

- Transfers in accepted from cash Junior ISAs and Stocks & Shares Junior ISAs

Withdrawals are not permitted until the child is 18

Additions are allowed.

Skipton is the 4th largest building society in the UK and looks after £19.4bn of deposits.  

Tesco Bank
2.25% £1 / No Maximum

Branch
App
Internet
Post
Telephone

Branch
App
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Post
Telephone

  • Paid on Anniversary
  • Paid Annually
  • Added to the account

Transfers in accepted from: cash Junior ISAs and Child Trust Funds

Withdrawals are not permitted until the child is 18

Further additions allowed up to the £9,000 annual limit

Tesco Bank launched in July 1997, initially as a joint venture with Royal Bank of Scotland, but has been wholly owned by Tesco since 2008.

It looks after £7.7bn of savings, having reduced its customer deposits from over £10bn in 2019, due to the sale of its mortgage business.

TSB
1.50% £1 / No Maximum

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Annually
  • Added to the account
  • Paid 31st March

Transfers in accepted from: cash and stocks & shares Junior ISAs

Withdrawals are not permitted until the child is 18

Further additions allowed up to the £9,000 annual limit

TSB was relaunched in 2013 as part of a separation of part of the Lloyds Banking Group. Since June 2015, it has been part of Spanish Banking Group Sabadell and has around 500 branches across the UK

About The Savings Guru

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