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Smart Junior ISA
Wherever they're heading, save for their future ...
At Nationwide we want to make it easy for childreny to save so we have created a range of children's savings accounts. Our Smart cash Junior ISA is designed to help give children a helping hand when they reach 18 by building up tax-free savings they can then use for whatever they are dreaming of, whether it's going to university or a deposit for their first house.
Smart pays the same interest rate on every pound in your account, making saving simpler
Make unlimited deposits up to the annual Junior ISA limit, currently £3,720
You can open your Smart Junior ISA in any of our branches or online
A parent or legal guardian aged 16 or over can open a Smart Junior ISA on behalf of a child under 18
A child of 16/17 can open a Smart Junior ISA on their own behalf
The money in the Smart Junior ISA belongs to the child but they can't access it until they are 18
UK resident children under 18 who have never been issued a Child Trust Fund voucher may be eligible for a Smart Junior ISA. This includes children who were born before 1 September 2002 (when Child Trust Fund was launched) or on/after 3 January 2011.
Children born between 1 September 2002 and 3 January 2011 may be eligible if they were born abroad (so did not qualify for a Child Trust Fund) but are now resident in the UK.
We're here to help you to save
Ready to apply for a Smart Junior ISA?
The Nationwide Education website helps young people to understand more about how to manage their finances and achieve their dreams and aspirations.
The Smart range of children's savings accounts include instant access, limited access and fixed term accounts so you can choose the account that suits the way you want to save.
Visit our ISAs explained section to find out what ISAs are, how they work and for more information on ISA limits.
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.AER includes conditional bonus (if applicable)
The gross rate of interest is the interest rate payable before any income tax is deducted (if you do pay tax).
The net rate of interest is the interest payable after any income tax is deducted (if you do pay tax).
Tax-free is the contractual rate of interest payable where interest is exempt from income tax.
The tax information provided is based on our current understanding of current law and HM Revenue & Customs practice which can change.
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