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Smart Junior ISA
Wherever they're heading, save for their future ...
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Our cash Smart 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.
Junior ISAs offer a tax-free way to start saving for a child’s future. They encourage both parents and children to save, and the money is not available to the child until their 18th birthday.
Our support pages have information on interest rates, terms and conditions and FAQs.
Effective from 26 February 2014
Rates are variable.
Maximum of one account holder, minimum age 0
Children who are UK resident under 18 may be eligible
You can only have one* Junior ISA or Child Trust Fund account. If you already have one of these, you'll need to request a transfer pack to open and move your existing Junior ISA or Child Trust Fund account.
A parent or legal guardian can open the ISA on behalf of the child, or if the child is aged 16 or 17 they can open the Smart Junior ISA themselves
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
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 understanding of current law and HM Revenue & Customs practice, both of which may change.
Please read the terms & conditions and product information before you apply.
Protecting your money
Please make sure you've read the terms and conditions before applying