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Junior ISA

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options ISA Information ISA Access SG Verdict
Bath Building Society
2.50% £1 / Maximum

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Annually

Transfers in only permitted from Junior Cash ISAs

Withdrawals are not permitted until the child is 18

Further additions allowed up to the £9,000 annual limit

The rate on this account will drop to 2.50% on the 1st May.

Bath is one of the smallest building societies in the UK, looking after £225m of deposits.

Coventry Building Society
2.95% £1 / No Maximum

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid On Maturity

Transfers in accepted from: cash and stocks & shares Junior ISAs, Child Trust Funds

Withdrawals are not permitted until the child is 18

Further additions allowed up to the £9,000 annual limit

This is the best paying Junior ISA account in the market from Coventry, which is the 2nd largest building society in the UK looking after over £36bn of deposits

Darlington Building Society
2.50% £1 / No Maximum

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Annually
  • Paid 31st December
  • Added to the account

Transfers in accepted from: cash and stocks & shares Junior ISAs, Child Trust Funds

Withdrawals are not permitted until the child is 18

Further additions allowed up to the £9,000 annual limit

Darlington has nine branches across the north east and looks after £561m of savings, and is the 21st largest building society in the UK

Family Building Society
2.75% (£3,000+) 2% (£1+) £1 / No Maximum

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Annually
  • Added to the account
  • Paid 30th September

Transfers in accepted from: cash Junior ISAs

Withdrawals are not permitted until the child is 18

Further additions allowed up to the £9,000 annual limit

Epsom based Family Building Society is part of National Counties Building Society, the 11th largest in the UK.  It looks after £1.7bn of savings.

Halifax
3.00% £1 / No Maximum

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Annually
  • Added to the account
  • Paid 5th April

Transfers in accepted from: cash and stocks & shares Junior ISAs, Child Trust Funds

Withdrawals are not permitted until the child is 18

Further additions allowed up to the £9,000 annual limit

Halifax is part of Lloyds Banking Group, the largest savings provider in the UK, and has consistently been one of the best paying providers of children's savings accounts.

Lloyds Bank
2.50% £1 / No Maximum

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Annually
  • Added to the account
  • Paid 31st March

Transfers in accepted from: cash and stocks & shares Junior ISAs, Child Trust Funds

Withdrawals are not permitted until the child is 18

Further additions allowed up to the £9,000 annual limit

Lloyds Banking Group is the largest savings provider in the UK looking after £412bn of deposits

Loughborough Building Society
2.50% £1 / No Maximum

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Annually
  • Paid 31st December
  • Added to the account

Transfers in are not accepted.

Withdrawals are not permitted until the child is 18

Further additions allowed up to the £9,000 annual limit

Loughborough has five branches and looks after £249m of savings, making it the 32nd largest building society in the UK

NS&I
3.25% £1 / £9,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Annually
  • Added to the account
  • Paid 6th April

Transfers in accepted from: cash and stocks and shares Junior ISAs

Withdrawals are not permitted until the child is 18

Further additions are allowed up to the £9,000 annual limit

National Savings & Investments is not a bank but is backed by the UK government and therefore is 100% safe.  It is one of the largest savings providers in the UK, looking after £167bn of savings with over 25 million customers.

Tesco Bank
3.15% £1 / No Maximum

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Anniversary
  • Paid Annually
  • Added to the account

Transfers in accepted from: cash Junior ISAs and Child Trust Funds

Withdrawals are not permitted until the child is 18

Further additions allowed up to the £9,000 annual limit

Tesco Bank launched in July 1997, initially as a joint venture with Royal Bank of Scotland, but has been wholly owned by Tesco since 2008.

It looks after £7.7bn of savings, having reduced its customer deposits from over £10bn in 2019, due to the sale of its mortgage business.

** The rates on this account drops to 2.75% on 14th July 2020 **

TSB
3.25% £1 / No Maximum

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Annually
  • Added to the account
  • Paid 31st March

Transfers in accepted from: cash and stocks & shares Junior ISAs

Withdrawals are not permitted until the child is 18

Further additions allowed up to the £9,000 annual limit

** The interest rate on this account drops to 1.50% with effect from 1st July 2020.

 

TSB was relaunched in 2013 as part of a separation of part of the Lloyds Banking Group. Since June 2015, it has been part of Spanish Banking Group Sabadell and has around 500 branches across the UK

About The Savings Guru

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