Junior ISA

Scottish Building Society Junior Cash ISA Review

A Junior ISA from Scottish Building Society. It ranks 20th of 30 Junior ISAs we track.

Variable rate

3.30%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£0

Max balance

£9,000

Access

No withdrawals can be made until the child’s 18th birthday

Interest paid

Yearly

Transfers in

Accepted

How It Stacks Up

Ranks 20th of 30

Junior ISAs we track

Average
This account 3.30%
UK CPI (Aug 2026)
3.10%
Pays 0.20% more
Average Junior ISA
3.30%
About the same
Best Junior ISA
4.15%
Pays 0.85% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

Compare Junior ISAs

Pros and cons

  • Pro: New and existing savers
  • Con: The money is locked in until the child turns 18

Good to Know

No withdrawals can be made until the child’s 18th birthday.

Please verify all details with the provider – see our Disclaimer

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Estimated returns with Scottish Building Society's Junior ISA

What you could earn with Scottish Building Society's Junior Cash ISA.

Estimated interest

£1,000 saved

£33.00

At 3.3% AER

£5,000 saved

£165

At 3.3% AER

£9,000 saved

£297

At 3.3% AER

Estimated over one year, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Our Expert Opinion on Scottish Building Society Junior Cash ISA

Jonny PeaseCo-Founder, DepositScout

Scottish Building Society's Junior Cash ISA pays 3.30%, which sits near the market average but 0.85% behind the Junior ISA market leader at 4.15%. It just clears inflation at +0.20% above the current CPI of 3.1%, so real returns are slim. The account accepts transfers in and has no minimum deposit, making it accessible, but the hard catch is that no withdrawals are possible until the child turns 18. If you want a step up, Market Harborough BS offers 3.40% on a comparable Junior ISA.

Compare Junior ISAs

2 alternatives to Scottish Building Society's Junior Cash ISA

Same type of account, closest on rate.

Common questions about the Junior Cash ISA

D

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