If you have any questions about managing your Smart Junior ISA, check the frequently asked questions below to see if we can help (just click the question and the answer will appear underneath):

The Smart Junior ISA is available to UK resident children under 18. Children who were previously issued with Child Trust Fund vouchers are also eligible to transfer existing Child Trust Fund accounts into a Junior ISA.

For more information on HMRC eligibility criteria please visit the HMRC website.

A parent or legal guardian aged 16 or over can open a Smart Junior ISA on behalf of a child under 18 or a child of 16-17 can open a Smart Junior ISA on their own behalf.

A child can only have one Smart Junior ISA, but the parent or legal guardian of several children can open one for each child.

The overall annual subscription allowance for a Smart Junior ISA is £4,080 for the 2016/17 tax year.

For more information on cash Junior ISA allowances please visit the HMRC website.

Any person or organisation can pay into any child's Smart Junior ISA at a branch or by making an electronic payment using the sort code and account number. It is important to remember that once funds have been deposited into a Smart Junior ISA they become the child's and cannot be taken back or refunded.

Yes, both the account holder and the registered contact (this is the adult if applicable) can view the account on the Internet Bank.

This account will appear in the 'savings' section and not under the 'tax-free savings' section on the Internet Bank, however it is a tax-free account.

If you opened your account prior to 19 January 2012 please note that transactions that took place before this date will not be visible in the online bank, these transactions will however still appear in your passbook which can be updated at any Nationwide branch.

You will be given a passbook when you open the account which can be updated at any Nationwide branch. You can also view the account on the Internet Bank, as above.

On the child's 18th birthday, Smart Junior ISA will be transferred into a Smart ISA Maturity account.

No withdrawals allowed (except in cases of terminal illness or death) until the child's 18th birthday when the child (and no one else) can withdraw the money.

There are forms available online to change your name or address. These can be found within "Other Services" on the Internet Bank. Alternatively you can pop into your local Nationwide branch.

If you are a parent or guardian applying on behalf of a child:

You don’t need any identification to open a Junior ISA. We are legally required to verify the name and address of the child at the age of 18, before he or she accesses their savings if we have not carried out these checks previously.

Also, should you wish to change the registered contact for the account for any reason, you will be required to verify the name and address of the new contact. Unless an exception listed within HM Revenue and Customs regulations exists the consent of the existing registered contact is required for any change of registered contact.

If either the child or the registered contact chooses to open another Nationwide product in the future we will be legally required to check their name and address in the usual way. Details of appropriate identification can be found at any Nationwide branch.

Should the child become terminally ill, and access to the funds is approved by HM Revenue & Customs, the identification of the registered contact will need to be verified before providing access to the money for the child.

If you are a child opening the account yourself:

You don't need any identification to open a Smart Junior ISA. However, we are legally required to verify your name and address at the age of 18, before you access the savings if we have not carried out these checks previously.

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