TSB Junior Cash ISA Review3.15% AER (Sep 2026)

Junior ISA from TSB

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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 TSB

Savers happy with a £9,000 cap

Additional Info

Can be opened in branch or by video call with a minimum of £1. For children under 16, a parent or guardian (aged 16+) must open the account; children aged 16–17 open it in their own name. UK residents only; each child may hold only one Junior Cash ISA at a time.

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Estimated returns with TSB's Junior ISA

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

Estimated interest

£1,000 saved

£31.50

At 3.15% AER

£5,000 saved

£158

At 3.15% AER

£9,000 saved

£284

At 3.15% 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 TSB Junior Cash ISA

TSB's Junior Cash ISA pays 3.15% and is a straightforward option for parents or guardians wanting to save tax-efficiently for a child, with deposits accepted from as little as £1 up to the £9,000 annual ISA allowance. It accepts transfers in from existing Junior ISAs, which is useful if you want to consolidate. The main catch is that the money is completely locked away until the child turns 18, with no withdrawals permitted outside of terminal illness, so this is genuinely long-term money. If you want a higher rate, CMC Invest's Junior Cash ISA is currently paying 3.56% and Market Harborough BS offers 3.40%.
Jonny Pease (Co-Founder)DepositScout