Protection
FSCS£120,000
Min balance
£100
Max balance
£500,000
Access
Locked until 18
Interest paid
Annually
How It Stacks Up
Ranks 16th of 22
Junior ISAs we track
- UK CPI (Aug 2026)
- 3.10%
- About the same
- Average Junior ISA
- 3.23%
- Pays 0.13% less
- Best Junior ISA
- 3.85%
- Pays 0.75% less
Inflation: ONS. Averages and best rates: accounts on DepositScout.
Pros and cons
- Pro: New and existing savers
- Con: The money is locked in until the child turns 18
Good to Know
The account must be opened and operated by a registered contact who will have parental responsibility for the child. After the age of 16 the young person can open a Cash Junior ISA and be the registered contact in their own right. . On the Child's 18th birthday the funds in the account will be reinvested into a Cash ISA Instant. At this time we will write to you (and the operator if your account has one) detailing other accounts available to you. We may also require a new application form to be completed and additional identification from you at this time. Further information about ISAs can be obtained on the HM Revenue & Customers website www.hmrc.gov.uk. Transfers may be permitted in accordance with Junior ISA guidelines. Child Trust Fund transfers to Junior ISAs are accepted. If the child holds a Child Trust Fund it must be transferred as part of your application.
Please verify all details with the provider – see our Disclaimer
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