Junior ISA from Bank of Scotland
Protection
FSCS
Up to £120,000
Min balance
£1
Max balance
£9,000
Access
Locked until 18
Interest paid
Annually
Transfers in
Accepted
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Want to know how much interest you will receive with Bank of Scotland's Junior Cash ISA?
Estimated interest
£1,000 saved
£23.50
At 2.35% AER
£5,000 saved
£118
At 2.35% AER
£9,000 saved
£212
At 2.35% AER
Estimated over one year, assuming the rate stays the same and interest stays in the account. Amounts outside this account's minimum or maximum balance are left out.
This account is a solid, no-fuss option for parents or guardians wanting to build a tax-free pot for a child, paying 2.35% AER on deposits from as little as £1 up to the £9,000 annual Junior ISA allowance. It accepts transfers in from existing Junior ISAs, which is useful if you want to consolidate. The main catch is the one baked into every Junior ISA: the money is locked until the child turns 18, so this is genuinely long-term saving. If you want to shop around, Lloyds Bank and Halifax both offer their own Junior Cash ISAs at the same 2.35% rate right now.
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