Skipton Building Society Junior Cash ISA Review3.80% AER (Sep 2026)

Junior ISA from Skipton Building Society

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Protection

FSCS

Up to £120,000

Min balance

£1

Max balance

£9,000

Access

Locked until 18

Interest paid

Annually

Transfers in

Accepted

Who Is This For

Learn more about Skipton Building Society

New and existing savers
Savers happy with a £9,000 cap

Additional Info

Post or branch only - cannot be opened or managed online. On the child's 18th birthday the account automatically converts to an adult account in the child's name.

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Estimated returns with Skipton Building Society's Junior ISA

Want to know how much interest you will receive with Skipton Building Society's Junior Cash ISA?

Estimated interest

£1,000 saved

£38.00

At 3.8% AER

£5,000 saved

£190

At 3.8% AER

£9,000 saved

£342

At 3.8% 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.

Our Expert Opinion on Skipton Building Society Junior Cash ISA

Skipton's Junior Cash ISA pays 3.80% AER with interest calculated daily and paid annually, and you can open it with as little as £1, which makes it accessible for parents, grandparents, or anyone wanting to build a tax-free pot for a child. Transfers in from existing Junior ISAs are accepted, so it is worth consolidating if the child has accounts elsewhere. The real catch is the annual subscription limit of £9,000 and the fact that the money is completely locked away until the child turns 18, with the only exceptions being terminal illness or death. If you want to shop around, Stafford Building Society offers a Junior Cash ISA at 3.76%.
Jonny Pease (Co-Founder)DepositScout