Savings rates
No one pays to change the order.
19 compared, ranked by what £10,000 earns in a year
Ranked by what £10,000 earns in a year. Rates are AER.
- The Cambridge Building Society3 Year Fixed Rate Children’s Bond4.15%£415 in a yearHighest we compareFrom £1,000 ›
- Swansea Building SocietyYoung Saver4.07%£407 in a year
- Leek Building SocietyHumphrey Club Young Saver Account3.24%£324 in a year
- Marsden Building SocietyJunior Saver (Issue 14)3.00%£300 in a yearIn branch ›
- Newbury Building SocietyYoung Saver2.85%£285 in a year
- Principality Building SocietyDylan Young Saver2.75%£275 in a yearIn branch ›
- Progressive Building SocietyChildrens Instant Access Account2.75%£275 in a year
- Dudley Building SocietyMy Reward Saver - 7322.35%£235 in a yearFrom £10 ›
- Dudley Building SocietyMy Squirrel Saver - 6472.35%£235 in a yearFrom £10 ›
- Stafford Railway Building SocietyFirst Track Children's Saver2.35%£235 in a year
- Market Harborough Building SocietyKickstarter2.30%£230 in a yearFrom £10 ›In branch ›
- BarclaysChildren's Savings2.27%£227 in a year
- Monmouthshire Building SocietyYoung Saver Account2.25%£225 in a yearIn branch ›
- Bank of Ireland UKKid Save2.15%£215 in a year
- Progressive Building SocietyChildrens Regular Saver Account4.00%about £131 a year if you pay in £500 a month
- Market Harborough Building SocietyJunior Fixed Term Regular Saver (30.11.2027)5.75%about £94 a year if you pay in £250 a monthFrom £10 ›In branch ›
- Dudley Building SocietyFirst Account - 940.85%£85 in a year
- Penrith Building SocietyJunior Affinity Regular Saver – Supporting Penrith & District Red Squirrel Group4.45%about £29 a year if you pay in £100 a monthFrom £5 ›
- Furness Building SocietyPocket Money Saver3.25%about £21 a year if you pay in £100 a month
Not compared yet
We haven’t read the terms that decide them, so they aren’t ranked.
- Monmouthshire Building SocietyYoung Regular Saver Account6.00%not compared
- Saffron Building SocietyLadybird 2 Year Fixed Rate Bond4.15%not compared
- Saffron Building SocietyLadybird 1 Year Fixed Rate Bond4.10%not compared
- Principality Building Society3 Year Children's Regular Saver4.00%not compared
- Skipton Building SocietyYoung Regular Saver4.00%not compared
- Swansea Building SocietyJunior ISA4.00%not compared
- Saffron Building SocietyLadybird Regular Saver3.95%not compared
- Beverley Building SocietyJunior Cash ISA3.85%not compared
- Leek Building SocietyJunior Cash ISA3.85%not compared
- Skipton Building SocietyJunior Cash ISA3.80%not compared
- Stafford Railway Building SocietyJunior Cash ISA Issue 23.76%not compared
- Coventry Building SocietyJunior Cash ISA (2)3.75%not compared
- Nottingham Building SocietyJunior ISA3.75%not compared
- Vernon Building SocietyJunior Cash ISA3.75%not compared
- Vernon Building SocietyJunior Regular Saver3.75%not compared
- NS&IJunior ISA3.70%not compared
- Hinckley & Rugby Building SocietyChildren's Regular Saver3.65%not compared
- Loughborough Building SocietyJunior ISA3.65%not compared
- Skipton Building SocietyChildren's Saver3.65%not compared
- Penrith Building SocietyJISA (Junior ISA)3.60%not compared
- Family Building SocietyJunior Cash ISA (3)3.45%not compared
- Mansfield Building SocietyCash Junior ISA (2nd issue)3.45%not compared
- Market Harborough Building SocietyJunior ISA3.40%not compared
- Principality Building SocietyDylan Advanced Saver3.35%not compared
- Principality Building SocietyGift Saver3.35%not compared
- Scottish Building SocietyJunior ISA3.30%not compared
- Leeds Building SocietyYoung Saver3.25%not compared
- Penrith Building SocietyJunior Saver Account3.25%not compared
- Newbury Building SocietyJunior Cash ISA3.15%not compared
- TSBJunior Cash ISA3.15%not compared
- Dudley Building SocietyJunior Cash ISA Issue 2 - 12243.10%not compared
- Newcastle Building SocietyJunior ISA3.00%not compared
- Progressive Building SocietyCash Junior ISA3.00%not compared
- Saffron Building SocietyLadybird Easy Access3.00%not compared
- Tipton & Coseley Building SocietyCash Zone (issue 2)Withdrawal terms not read yet3.00%not compared
- Vernon Building SocietyYoung Saver Easy Access3.00%not compared
- Cumberland Building SocietyCash Junior ISA2.95%not compared
- Mansfield Building SocietyYoung Saver (3rd issue)2.90%not compared
- Loughborough Building SocietyZero to Eighteen Account2.80%not compared
- Nationwide Building SocietyChildren's Future SaverIts own page isn’t read yet2.80%not compared
- Harpenden Building SocietyYoung Savers Instant Access (Issue 1)2.75%not compared
- MonzoUnder 16s Savings Account2.75%not compared
- Furness Building SocietyJunior ISA2.60%not compared
- HalifaxJunior Cash ISA2.35%not compared
- Lloyds BankJunior Cash ISA2.35%not compared
- Monmouthshire Building SocietyJunior Cash ISA2.30%not compared
- Hanley Economic Building SocietyJunior ISA2.25%not compared
- Chorley & District Building SocietyJunior Cash ISA1.50%not compared
- Buckinghamshire Building SocietyJunior Cash ISA1.40%not compared
- The Co-operative BankFuture Fund Account1.40%not compared
Your own money
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on £10,000. Estimated, before tax.
- Account
- Fixed
- Rate type
- Fixed
- Access
- None until it ends
- Interest paid
- Yearly
- Least to open
- £1,000
- Most it holds
- £50,000
- Who can open
- available to savers aged up to and including 15 years old.
- Protection
- FSCS, £120,000
From The Cambridge Building Society’s page
Withdrawals or account closures aren't permitted during the fixed rate term.
The account must be opened with an operator who will be removed when the child turns 18
All 3 from their page ›
Once opened you can't add to your account - any payments received will be returned to you and the method we return this by will be at our discretion.
Opening an account is your decision.
on £10,000. Estimated, before tax.
- Account
- Easy access
- Rate type
- Variable
- Access
- Any time, no notice
- Interest paid
- Interest will be credited to the account following the close of business on June 30th and December 31st annually.
- Least to open
- £1
- Most it holds
- Not stated
- Who can open
- In Wales
- Protection
- FSCS, £120,000
From Swansea Building Society’s page
A maximum of five Young Saver accounts can be opened per person.
We will give you 14 days written notice by post of any proposed change in our interest rates.
All 4 from their page ›
If the young saver for whom the account is intended is under the age of 11, then the account must be opened and solely operated by the child's parent/grandparent/legal guardian.
The maximum cash withdrawal per customer per day is £1,000.
Opening an account is your decision.
on £10,000. Estimated, before tax.
- Account
- Easy access
- Rate type
- Variable
- Access
- Any time, no limit
- Interest paid
- We calculate interest daily and pay it biannually on 1 January and 1 July each year.
- Least to open
- £1
- Most it holds
- £250,000
- Who can open
- Aged 0 to 9
- Protection
- FSCS, £120,000 shared with Leek United Building Society
From Leek Building Society’s page
You need to pay money into your account within 14 calendar days of opening it.
An adult trustee must manage the account until the young saver is 13.
All 4 from their page ›
If the rate goes down, we'll write to you around 14 days before the rate changes.
If you don't we may close your account.
Opening an account is your decision.
on £10,000. Estimated, before tax.
- Account
- Easy access
- Rate type
- Variable
- Access
- Any time, no limit
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- £10,000
- Who can open
- In branch only
- Protection
- FSCS, £120,000
From Marsden Building Society’s page
Limits apply on cash withdrawals.
If the interest rate on your account falls, and the balance in your account is £100 or more, we'll personally notify you of the change.
All 3 from their page ›
Payments into the account can be made in cash, by cheque or debit card (up to £1,000).
Opening an account is your decision.
on £10,000. Estimated, before tax.
- Account
- Easy access
- Rate type
- Variable
- Access
- Any time, no notice
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- £50,000
- Who can open
- In England or Wales
- Protection
- FSCS, £120,000
From Newbury Building Society’s page
If the balance falls below the £1 minimum, a variable rate of 1.25% gross/AER will be paid.
Accounts for children under 7 years must be opened and operated by an adult.
All 4 from their page ›
If the account is opened by post, the account must be approved within 14 days.
Withdrawals should be for the benefit of the child (account holder).
Newbury Building Society, principal place of business Newbury Bldg Soc, Woodlands, 90 Bartholomew Street, Newbury, West Berkshire, RG14 5EE, United Kingdom. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority for deposit-taking.
Check it at Newbury Building Society ↗Opening an account is your decision.
on £10,000. Estimated, before tax.
- Account
- Easy access
- Rate type
- Variable
- Access
- Any time, no limit
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- £20,000
- Who can open
- In branch only
- Protection
- FSCS, £120,000
From Principality Building Society’s page
You must keep at least £1 (the minimum balance) in the account.
If we do not receive the first payment within five business days of the account opening, we may close it.
All 3 from their page ›
When the child reaches 16, we will move the money to an Instant Access Account or the nearest equivalent we offer at the time.
Opening an account is your decision.
on £10,000. Estimated, before tax.
- Account
- Easy access
- Rate type
- Variable
- Access
- Any time, no limit
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- £20,000
- Who can open
- In Northern Ireland
- Protection
- FSCS, £120,000
From Progressive Building Society’s page
You can withdraw up to £500 in cash in a branch and £250 in cash in an agency, larger amounts must be withdrawn by cheque.
If the saver is aged 15 years and under, the account must be opened by an adult (parent, guardian or relative) on behalf of the child.
All 3 from their page ›
If you give your child money that earns over £100 a year in interest then all of this interest will be taxed at the appropriate rate as if it were your income.
Opening an account is your decision.
on £10,000. Estimated, before tax.
- Account
- Easy access
- Rate type
- Variable
- Access
- Any time, no limit
- Interest paid
- Yearly
- Least to open
- £10
- Most it holds
- £30,000
- Who can open
- Aged 12 to 16, living in the UK
- Protection
- FSCS, £120,000
From Dudley Building Society’s page
On the child's 17th Birthday, the account will mature into the next savings account we have available for their age range.
Only one account per person can be opened.
All 6 from their page ›
The product has a quarterly prize draw for account holders.
To qualify, the parent or guardian of the account holder must sign the declaration and hold a minimum of £10 in their account.
All withdrawals must be for the benefit of the account holder.
What is my minimum opening and operating balance? £10.
Opening an account is your decision.
on £10,000. Estimated, before tax.
- Account
- Easy access
- Rate type
- Variable
- Access
- Any time, no limit
- Interest paid
- Yearly
- Least to open
- £10
- Most it holds
- £30,000
- Who can open
- Aged 0 to 11, living in the UK
- Protection
- FSCS, £120,000
From Dudley Building Society’s page
This account requires an account operator.
Only one account per person is permitted.
All 4 from their page ›
You are not obliged to save into your account every month and you will not be penalised if you miss a monthly deposit.
All withdrawals must be for the benefit of the account holder.
Opening an account is your decision.
on £10,000. Estimated, before tax.
- Account
- Easy access
- Rate type
- Variable
- Access
- Any time, no notice
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- £50,000
- Who can open
- Available to private individual UK residents aged 17 or under (the child).
- Protection
- FSCS, £120,000 shared with The Stafford Railway Building Society
From Stafford Railway Building Society’s page
All named trustees must be UK residents aged 18 years or over.
The child can hold a maximum of one individual First Track account with the Society.
All 4 from their page ›
Limits apply to cash deposits and withdrawals (see Terms and Conditions).
Cash withdrawals/Closures are limited to £2,500 per day.
Opening an account is your decision.
on £10,000. Estimated, before tax.
- Account
- Easy access
- Rate type
- Variable
- Access
- Any time, no notice
- Interest paid
- Yearly
- Least to open
- £10
- Most it holds
- £10,000
- Who can open
- In branch only
- Protection
- FSCS, £120,000
From Market Harborough Building Society’s page
You must fund the account within ten days of opening.
Customers may hold only one Kickstarter account.
All 4 from their page ›
When the account beneficiary turns 18 the account type changes to our adult easy access account if available, or the nearest equivalent account if not.
If your account is operated by a Trustee, they will need to withdraw the money for you.
Opening an account is your decision.
on £10,000. Estimated, before tax.
- Account
- Easy access
- Rate type
- Variable
- Access
- Any time, no limit
- Interest paid
- Not stated
- Least to open
- £1
- Most it holds
- No maximum
- Who can open
- 18 or over
- Protection
- FSCS, £120,000 shared with Barclays Bank
From Barclays’s page
After the child reaches 18, we'll change the account to an adult instant-access savings account.
Each account can only be held in one name, and you'll manage it as a trustee for one child under 18.
All 3 from their page ›
If the adult that opens this account is the parent of the child, and they give them money that earns more than £100 gross interest in a tax year, the income is taxed as if it belonged to the parent.
Opening an account is your decision.
on £10,000. Estimated, before tax.
- Account
- Easy access
- Rate type
- Variable
- Access
- Any time, no notice
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- £25,000
- Who can open
- Aged 14 to 17, in branch only
- Protection
- FSCS, £120,000
From Monmouthshire Building Society’s page
Unlimited withdrawals can be made without notice or loss of interest, subject to the minimum balance being maintained.
If we put the rate down, we'll let you know as soon as we can - with at least 14 days notice.
All 4 from their page ›
Using the funds for the benefit of the account holder.
At the age of 14, the child can take over the operation of the account subject to signed authorisation by the signatory.
Opening an account is your decision.
on £10,000. Estimated, before tax.
- Account
- Easy access
- Rate type
- Not stated
- Access
- Not stated
- Interest paid
- Not stated
- Least to open
- Not stated
- Most it holds
- No maximum
- Who can open
- Aged 0 to 11, online only
- Protection
- FSCS, £120,000 shared with Bank of Ireland (UK)
From Bank of Ireland UK’s page
All KidSave accounts must be opened and operated by the adult representative on behalf of the child.
If you do not deposit money into the KidSave Account within 30 days of opening it, the account may be closed.
All 3 from their page ›
Withdrawals from a KidSave Account are free of charge.
Opening an account is your decision.
Estimated, before tax.
- Account
- Regular saver
- Rate type
- Variable
- Access
- Any time, no limit
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- Not stated
- Who can open
- In Northern Ireland
- Protection
- FSCS, £120,000
From Progressive Building Society’s page
Electronic lodgements must be received by the 25th of each month.
If the saver is aged 15 years and under, the account must be opened by an adult (parent, guardian or relative) on behalf of the child.
All 4 from their page ›
Missed or underpaid amounts from previous months cannot be carried forward of made up in subsequent months.
You can withdraw up to £500 in cash in a branch and £250 in cash in an agency.
Opening an account is your decision.
Estimated, before tax.
- Account
- Regular saver
- Rate type
- Fixed
- Access
- None until it ends
- Interest paid
- Not stated
- Least to open
- £10
- Most it holds
- £500,000
- Who can open
- In branch only
- Protection
- FSCS, £120,000
From Market Harborough Building Society’s page
Withdrawals, transfers or closure are not permitted during the term of the account.
You must fund the account within ten days of opening.
All 4 from their page ›
The account must be opened and operated by an adult in the capacity of a Trustee.
When the account beneficiary turns 18 the account type changes to our adult 30 Day Notice account if available, or the nearest equivalent account if not.
Opening an account is your decision.
on £10,000. Estimated, before tax.
- Account
- Easy access
- Rate type
- Variable
- Access
- Any time, no limit
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- £30,000
- Who can open
- Aged 0 to 16, living in the UK
- Protection
- FSCS, £120,000
From Dudley Building Society’s page
On the child's 17th Birthday, the account will mature into the next savings account we have available for their age range.
This account requires an account operator if the saver is younger than 11 years old.
All 4 from their page ›
Only one account per person is permitted.
All withdrawals must be for the benefit of the account holder.
Opening an account is your decision.
Estimated, before tax.
- Account
- Regular saver
- Rate type
- Variable
- Access
- 2 withdrawals a year
- Interest paid
- Interest is calculated daily and added to your account balance annually on 31st December and on maturity.
- Least to open
- £5
- Most it holds
- Not stated
- Who can open
- Aged 0 to 16
- Protection
- FSCS, £120,000
From Penrith Building Society’s page
This account cannot be closed prior to maturity.
You are not required to make monthly subscriptions however, if a monthly subscription is missed this cannot be made up in subsequent months.
All 4 from their page ›
A minimum of £5.00 must remain in your account.
On maturity, if your account has not been closed, the maturing funds, including interest will be transferred to an Instant Access Shares account.
Opening an account is your decision.
Estimated, before tax.
- Account
- Regular saver
- Rate type
- Variable
- Access
- Limited withdrawals
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- Not stated
- Who can open
- The account holder must be under 18 years old and will at all times remain the sole owner of all the money in the account.
- Protection
- FSCS, £120,000
From Furness Building Society’s page
If more than one withdrawal is needed the account must be closed.
The account cannot be opened by a child once they reach the age of 17, as the maturity of the account needs to be before their 18th birthday.
All 4 from their page ›
If we reduce the rate we will tell you no less than 14 days before we make the change.
Withdrawals must be for the benefit of the young saver and any cheques must be made payable to the child, however, in appropriate circumstances may be made payable to a third party providing that the funds are for the benefit of the young saver.
Opening an account is your decision.
- Account
- Regular saver
- Rate type
- Variable
- Access
- Any time, no limit
- Interest paid
- Not stated
- Least to open
- Not stated
- Most it holds
- Not stated
- Who can open
- Our Young Regular Savers Account is designed for young people to get into the habit of saving each month at any stage of their childhood and teenage years, up to the age of 17.
- Protection
- FSCS, £120,000
From Monmouthshire Building Society’s page
Our Young Regular Saver allows you to save up to £100 each month for 12 months with no restrictions.
The rates on all products are variable, so they can go up or down.
Opening an account is your decision.
- Account
- Fixed
- Rate type
- Fixed
- Access
- Not stated
- Interest paid
- Yearly
- Least to open
- £500
- Most it holds
- £25,000
- Who can open
- Manage - branch, post, phone, webchat Age 16 or under
- Protection
- FSCS, £120,000
From Saffron Building Society’s page
We haven’t read this account’s own page yet.
Opening an account is your decision.
- Account
- Fixed
- Rate type
- Fixed
- Access
- Not stated
- Interest paid
- Yearly
- Least to open
- £500
- Most it holds
- £25,000
- Who can open
- Age 17 or under
- Protection
- FSCS, £120,000
From Saffron Building Society’s page
We haven’t read this account’s own page yet.
Opening an account is your decision.
- Account
- Regular saver
- Rate type
- Fixed
- Access
- None for 3 years
- Interest paid
- Not stated
- Least to open
- £1
- Most it holds
- Not stated
- Who can open
- In branch only
- Protection
- FSCS, £120,000
From Principality Building Society’s page
We haven’t read this account’s own page yet.
Opening an account is your decision.
- Account
- Regular saver
- Rate type
- Variable
- Access
- Any time, no notice
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- £7,200
- Who can open
- Aged 12 to 17
- Protection
- FSCS, £120,000
From Skipton Building Society’s page
The maximum balance for this account is £7,200.
Only one Young Regular Saver can be held in the child's name at any one time.
All 5 from their page ›
The minimum operating balance must be met for interest to be earned.
If you make a payment into the account which exceeds either of these limits, we'll return the money to you.
Accounts can be withdrawn from sale at any time and without notice.
Opening an account is your decision.
- Account
- Junior ISA, limited access
- Rate type
- Variable
- Access
- None until 18
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- £1,500,000
- Who can open
- In Wales
- Protection
- FSCS, £120,000
From Swansea Building Society’s page
Withdrawals from the account before the child is 18 can only be made where a terminal illness claim made on behalf of the child has been agreed.
The account may not be a joint account.
All 4 from their page ›
We will give you 14 days written notice by post of any proposed change in our interest rates.
Deposits can be made by cheque, standing order, electronic bank transfer, transfer from another account held with the Society (subject to the Terms and Conditions of that account) or cash (cash deposits are limited to £3,000 per customer per day).
Opening an account is your decision.
- Account
- Regular saver
- Rate type
- Not stated
- Access
- Not stated
- Interest paid
- Yearly
- Least to open
- £5
- Most it holds
- Not stated
- Who can open
- Ladybird Regular Saver Minimum deposit £5.00 Gross p.a / AER* 3.95% Interest Annually Additional information Maximum monthly payment of £100.00 Apply - branch, post Manage - branch, post, phone, webchat Age 17 or under
- Protection
- FSCS, £120,000
From Saffron Building Society’s page
We haven’t read this account’s own page yet.
Opening an account is your decision.
- Account
- Junior ISA, limited access
- Rate type
- Variable
- Access
- None until 18
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- Junior ISA: no balance limit; up to £9,000 a year can be paid in
- Who can open
- Children can open and operate an account themselves from the age of 16, or parents and legal guardians can open and look after an account for a young family member from birth .
- Protection
- FSCS, £120,000
From Beverley Building Society’s page
You can not withdraw money from this account until the child turns 18.
The young person does not already hold a Cash JISA or CTF at any other provider.
All 4 from their page ›
You can pay in a maximum of £9000 during the tax year 2025/2026.
The Society will contact you regarding options around the young person's 18th birthday when the JISA must close and become a Cash ISA.
Opening an account is your decision.
- Account
- Junior ISA, limited access
- Rate type
- Variable
- Access
- None until 18
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- Junior ISA: no balance limit; up to £9,000 a year can be paid in
- Who can open
- The young saver must be under the age of 18 and a UK resident
- Protection
- FSCS, £120,000 shared with Leek United Building Society
From Leek Building Society’s page
You need to pay money into your account within 14 calendar days of opening it.
If you don't we may close your account.
All 4 from their page ›
You can only have one Child Trust Fund or one Junior Cash ISA at any one time.
If you decide to transfer the money out, you must move all of it.
Opening an account is your decision.
- Account
- Junior ISA, limited access
- Rate type
- Variable
- Access
- None until 18
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- £1,000,000
- Who can open
- This account is available to UK residents aged under 18.
- Protection
- FSCS, £120,000
From Skipton Building Society’s page
Withdrawals are not allowed until the child is 18, at which point only the child will be able to withdraw their savings.
Interest cannot be paid into another Skipton account or any other building society or bank account.
All 5 from their page ›
The minimum operating balance must be met for interest to be earned.
Joint accounts aren't allowed.
Only one Junior Cash ISA can be held in the child's name at any one time.
Opening an account is your decision.
- Account
- Junior ISA, limited access
- Rate type
- Variable
- Access
- None until 18
- Interest paid
- Yearly
- Least to open
- £1,000
- Most it holds
- £450,000
- Who can open
- Available to private individual UK residents under the age of 18 years only.
- Protection
- FSCS, £120,000
From Stafford Railway Building Society’s page
No withdrawals allowed until the account holders 18th birthday.
If we change the interest rate, we will give you 14 days' notice.
All 5 from their page ›
Once the maximum annual JISA subscription (Currently £9,000) is reached, no further subscriptions are permitted.
You can hold a maximum of one individual Junior Cash ISA Issue 2 account with the Society.
A 14-day cooling-off period applies to this account.
Opening an account is your decision.
- Account
- Junior ISA
- Rate type
- Variable
- Access
- None until 18
- Interest paid
- Yearly
- Least to open
- Not stated
- Most it holds
- Junior ISA: no balance limit; up to £9,000 a year can be paid in
- Who can open
- Savings stay safely stashed away until your child is 18, earning tax-free interest each year.
- Protection
- FSCS, £120,000
From Coventry Building Society’s page
We haven’t read this account’s own page yet.
Opening an account is your decision.
- Account
- Junior ISA
- Rate type
- Not stated
- Access
- None until 18
- Interest paid
- Not stated
- Least to open
- £1
- Most it holds
- Junior ISA: no balance limit; up to £9,000 a year can be paid in
- Who can open
- In branch only
- Protection
- FSCS, £120,000
From Nottingham Building Society’s page
We haven’t read this account’s own page yet.
Opening an account is your decision.
- Account
- Junior ISA
- Rate type
- Not stated
- Access
- None until 18
- Interest paid
- Not stated
- Least to open
- £1
- Most it holds
- Junior ISA: no balance limit; up to £9,000 a year can be paid in
- Who can open
- In branch only
- Protection
- FSCS, £120,000
From Vernon Building Society’s page
We haven’t read this account’s own page yet.
Opening an account is your decision.
- Account
- Regular saver
- Rate type
- Not stated
- Access
- Any time, no limit
- Interest paid
- Not stated
- Least to open
- £5
- Most it holds
- Not stated
- Who can open
- Aged 5 to 11, in branch only
- Protection
- FSCS, £120,000
From Vernon Building Society’s page
We haven’t read this account’s own page yet.
Opening an account is your decision.
- Account
- Junior ISA
- Rate type
- Variable
- Access
- Not stated
- Interest paid
- Not stated
- Least to open
- £1
- Most it holds
- Junior ISA: no balance limit; up to £9,000 a year can be paid in
- Who can open
- A tax free way to save for children up to the age of 18.
- Protection
- HM Treasury backed
From NS&I’s page
We haven’t read this account’s own page yet.
Opening an account is your decision.
- Account
- Regular saver
- Rate type
- Variable
- Access
- None until 18
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- £500,000
- Who can open
- The account is not available to anyone aged 18 or over.
- Protection
- FSCS, £120,000
From Hinckley & Rugby Building Society’s page
If you make a deposit that causes you to go over the monthly limit, the whole deposit will be returned to you.
Your opening deposit must be paid in within 5 business days of the account being opened, or you will need to start the application process again.
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Funds can be accessed early by closing the account any time without penalty; requests must be submitted in writing or by visiting a branch or agency.
The closing balance can only be made payable to the child's name and issued by cheque.
Opening an account is your decision.
- Account
- Junior ISA, fixed
- Rate type
- Variable
- Access
- None until 18
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- Junior ISA: no balance limit; up to £9,000 a year can be paid in
- Who can open
- Available to new members and existing members residing in the United Kingdom.
- Protection
- FSCS, £120,000
From Loughborough Building Society’s page
If no instructions are received at that time, the JISA will be transferred to a holding account, which is also tax free under current legislation, but may not be the same interest rate.
Only one Cash JISA from one provider can be held at any one time.
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The Society accepts transfers in of Cash JISA ONLY - we do not accept transfers from a Child Trust Fund or stocks and shares JISA.
We may change interest rates at any time.
A passbook must be presented when a withdrawal is requested at maturity, at which point the Society may request documents to verify the child's identity.
Loughborough Building Society, principal place of business 56 Woodgate, Loughborough, Leicestershire, LE11 2TZ, United Kingdom. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority for deposit-taking.
Opening an account is your decision.
- Account
- Easy access
- Rate type
- Variable
- Access
- Any time, no notice
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- £20,000
- Who can open
- This account is only available for children up to the age of 18.
- Protection
- FSCS, £120,000
From Skipton Building Society’s page
The minimum operating balance must be met for interest to be earned.
You must keep at least this amount in the account to keep it open.
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Only one Children's Saver can be held in the child's name at any one time.
Joint accounts aren't allowed - only one child can hold the account.
The money held in this account belongs to the child and any withdrawal must be for their benefit.
Opening an account is your decision.
- Account
- Junior ISA, limited access
- Rate type
- Variable
- Access
- None until 18
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- Junior ISA: no balance limit; up to £9,000 a year can be paid in
- Who can open
- Aged 0 to 17
- Protection
- FSCS, £120,000
From Penrith Building Society’s page
Withdrawals cannot be made until the child reaches 18, when the account will roll over into an adult Cash ISA
This account is limited to one account per child
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Maximum annual subscription limit for the tax year 2026/27 is £9,000
The rate of interest paid on your account is variable and may be changed by us.
Opening an account is your decision.
- Account
- Junior ISA
- Rate type
- Variable
- Access
- None until 18
- Interest paid
- Not stated
- Least to open
- £1
- Most it holds
- Junior ISA: no balance limit; up to £9,000 a year can be paid in
- Who can open
- Not stated
- Protection
- FSCS, £120,000 shared with National Counties Building Society
From Family Building Society’s page
No withdrawals allowed. Account cannot be closed until the account holder reaches age 18.
Opening an account is your decision.
- Account
- Junior ISA, limited access
- Rate type
- Not stated
- Access
- None until 18
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- Junior ISA: no balance limit; up to £9,000 a year can be paid in
- Who can open
- If the child is under 16, the account must be opened by someone with parental responsibility.
- Protection
- FSCS, £120,000
From Mansfield Building Society’s page
No withdrawals allowed until the child is 18
They have a maximum allowance of £9,000 in the current tax year.
Opening an account is your decision.
- Account
- Junior ISA, limited access
- Rate type
- Variable
- Access
- None until 18
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- Junior ISA: no balance limit; up to £9,000 a year can be paid in
- Who can open
- This account is suitable for someone under the age of 18 who is looking to receive tax-free variable interest with no access to funds until age 18.
- Protection
- FSCS, £120,000
From Market Harborough Building Society’s page
Withdrawals are not permitted until the account holder (not the Registered Contact) turns 18.
For under 16s the account must be opened by someone with parental responsibility for such a person on their behalf as a Registered Contact.
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Once the maximum limit for the particular tax year is reached no more deposits are allowed.
At this point the account will be transferred to an Easy Access ISA and up to date identification will be required to access the funds.
Any funds paid into the account will be a gift to the account holder and as such cannot be repaid at a later date if the subscriber changes their mind.
Opening an account is your decision.
- Account
- Limited access
- Rate type
- Variable
- Access
- Limited withdrawals
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- £50,000
- Who can open
- In branch only
- Protection
- FSCS, £120,000
From Principality Building Society’s page
If the account reaches £50,000, you cannot pay any more money into it.
If you have £100 or more in the account, we will give notice of any reduction in interest rates at least 14 days before the change takes effect.
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If we do not receive the first payment within five business days of the account opening, we may close it.
Closing the account counts as a withdrawal.
When the child reaches 16, we will move the money to an Instant Access Account or the nearest equivalent we offer at the time.
Opening an account is your decision.
- Account
- Limited access
- Rate type
- Variable
- Access
- Limited withdrawals
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- £20,000
- Who can open
- You must be 18 or over to open this account on behalf of someone aged under 18.
- Protection
- FSCS, £120,000
From Principality Building Society’s page
You can make up to three withdrawals from a Gift Saver account every calendar year.
Closing the account counts as a withdrawal.
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You must keep at least £1 (the minimum balance) in the account.
If we do not receive the first payment within five business days of the account opening we may close it.
If you have £100 or more in the account, we will give notice of any reduction in interest rates at least 14 days before the change takes effect.
Opening an account is your decision.
- Account
- Junior ISA, limited access
- Rate type
- Variable
- Access
- None until 18
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- Junior ISA: no balance limit; up to £9,000 a year can be paid in
- Who can open
- Aged 18 to 17, living in the UK
- Protection
- FSCS, £120,000
From Scottish Building Society’s page
No withdrawals can be made until the child's 18th birthday (except in the event of the child's death or terminal illness).
You must keep at least this amount in the account to keep it open.
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A child can only hold one Junior Cash ISA at any one time.
The account matures at the end of the month in which the child's 18th birthday falls.
Scottish Building Society, principal place of business SBS House, 193 Dalry Road, Edinburgh, Midlothian, EH11 2EF, United Kingdom. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority for deposit-taking.
Opening an account is your decision.
- Account
- Easy access
- Rate type
- Variable
- Access
- Any time, no limit
- Interest paid
- Yearly
- Least to open
- £10
- Most it holds
- Not stated
- Who can open
- Not stated
- Protection
- FSCS, £120,000
From Leeds Building Society’s page
We haven’t read this account’s own page yet.
Opening an account is your decision.
- Account
- Easy access
- Rate type
- Variable, with a bonus
- Access
- Any time, no notice
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- Not stated
- Who can open
- Aged 0 to 18
- Protection
- FSCS, £120,000
From Penrith Building Society’s page
A 1.25% bonus will be credited to the account on the junior's birthday, the bonus is calculated from the date the account was opened or the junior's birthday, whichever is the later date.
The bonus is guaranteed for the life of the account.
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This account is limited to one account per junior customer
If the junior is under 7 years old we will ask that the application form is signed by a parent, guardian or trustee.
Opening an account is your decision.
- Account
- Junior ISA, limited access
- Rate type
- Variable
- Access
- None until 18
- Interest paid
- Yearly
- Least to open
- £50
- Most it holds
- £1,500,000
- Who can open
- In England or Wales
- Protection
- FSCS, £120,000
From Newbury Building Society’s page
If the balance falls below the £50 minimum, a variable rate of 1.25% gross/AER will be paid.
If the account is opened by post, the account must be approved within 14 days.
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If no deposits have been received within five business days, we will close the account.
There are no charges for the normal operation of this account.
Newbury Building Society, principal place of business Newbury Bldg Soc, Woodlands, 90 Bartholomew Street, Newbury, West Berkshire, RG14 5EE, United Kingdom. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority for deposit-taking.
Opening an account is your decision.
- Account
- Junior ISA, limited access
- Rate type
- Variable
- Access
- None until 18
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- No maximum
- Who can open
- In branch only
- Protection
- FSCS, £120,000
From TSB’s page
Withdrawals aren't permitted prior to maturity at age 18 (unless the child is diagnosed with a terminal illness and permission is given by HMRC to make withdrawals)
Each child can only have one Junior Cash ISA open at once.
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The account can't be closed after this, unless the money in the account is transferred to another junior ISA, the child becomes terminally ill or dies.
If you aren't happy with your Junior Cash ISA, you can cancel within 14 days of opening without charge.
TSB is a trading name of TSB Bank plc, principal place of business 19th Floor, 8 Bishopsgate, London, City Of London, EC2N 4BQ, United Kingdom. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority for deposit-taking.
Opening an account is your decision.
- Account
- Junior ISA, fixed
- Rate type
- Variable
- Access
- None until 18
- Interest paid
- Yearly
- Least to open
- £100
- Most it holds
- £500,000
- Who can open
- Aged 0 to 17, living in the UK
- Protection
- FSCS, £120,000
From Dudley Building Society’s page
The account must be opened and operated by a registered contact who will have parental responsibility for the child.
Only one account per person is permitted.
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The maximum overall subscription must not exceed £9,000 across all Junior ISA accounts you hold with any provider.
Opening an account is your decision.
- Account
- Junior ISA
- Rate type
- Variable
- Access
- None until 18
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- No maximum
- Who can open
- In branch only
- Protection
- FSCS, £120,000 shared with Newcastle Building Society
From Newcastle Building Society’s page
Withdrawals are not permitted until the child's 18th Birthday.
Partial transfers are not permitted.
All 3 from their page ›
This agreement lasts for the first five years of membership, is irrevocable and is a condition of opening an account.
Opening an account is your decision.
- Account
- Junior ISA
- Rate type
- Variable
- Access
- None until 18
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- Junior ISA: no balance limit; up to £9,000 a year can be paid in
- Who can open
- Not stated
- Protection
- FSCS, £120,000
From Progressive Building Society’s page
No withdrawals until the child turns 18
Opening an account is your decision.
- Account
- Easy access
- Rate type
- Variable
- Access
- Any time, no limit
- Interest paid
- Yearly
- Least to open
- Not stated
- Most it holds
- £250,000
- Who can open
- The child must be 17 or under and a UK resident to have this account.
- Protection
- FSCS, £120,000
From Saffron Building Society’s page
If your account falls below the minimum balance, the interest rate we'll pay you will reduce to 0.05% Gross p.a/AER variable.
You need to pay money into your account within 30 days of opening it.
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If you don't we'll close the account.
You must keep a minimum of £1.00 in your account to get the interest rate.
When the child turns 18, we'll change the account into the Childrens Easy Access Maturity AI.
Opening an account is your decision.
- Account
- Limited access
- Rate type
- Variable
- Access
- Limited withdrawals
- Interest paid
- Yearly
- Least to open
- £10
- Most it holds
- £25,000
- Who can open
- The account is available for anyone aged 15 or under.
- Protection
- FSCS, £120,000
From Tipton & Coseley Building Society’s page
After your sixth withdrawal, no further withdrawals including closure of the account and withdrawal of any interest, will be available until the next calendar year.
All withdrawals must be for the benefit of the child.
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Opening balances made by electronic payment must be sent within 14 days of opening your account, or the account will be automatically closed.
When you turn 16, we will automatically transfer your account to an account from our savings range.
Withdrawals are limited to a maximum of six each calendar year. After your sixth withdrawal, no further withdrawals including closure of the account and withdrawal of any interest, will be available until the next calendar year.
Opening an account is your decision.
- Account
- Easy access
- Rate type
- Not stated
- Access
- Any time, no limit
- Interest paid
- Not stated
- Least to open
- £1
- Most it holds
- £85,000
- Who can open
- In branch only
- Protection
- FSCS, £120,000
From Vernon Building Society’s page
We haven’t read this account’s own page yet.
Opening an account is your decision.
- Account
- Junior ISA
- Rate type
- Variable
- Access
- None until 18
- Interest paid
- Yearly
- Least to open
- £50
- Most it holds
- £500,000
- Who can open
- In branch only
- Protection
- FSCS, £120,000
From Cumberland Building Society’s page
Withdrawals are not permitted from this account.
On the account holder's 18th birthday, the account will be transferred to a Cash ISA with instant access and the holder will be able to make withdrawals.
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Only parents or guardians with parental responsibility can open the account on behalf of the child.
All payments to the Cash Junior ISA are classified as a gift to the child, and as such cannot be repaid to the subscriber if at a later date the subscriber changes their mind.
Cumberland Building Society, principal place of business Cumberland House, Cooper Way, Parkhouse, Carlisle, Cumbria, CA3 0JF, United Kingdom. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority for deposit-taking.
Opening an account is your decision.
- Account
- Limited access
- Rate type
- Not stated
- Access
- 6 withdrawals a year
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- Not stated
- Who can open
- Not stated
- Protection
- FSCS, £120,000
From Mansfield Building Society’s page
Product Young Saver (3rd issue) Account Levels £1 + Interest Rate (AER 1 /Gross 2 ) 2.90% Interest Payable Anually on 31 December and on maturity at age 18 Withdrawals Up to 6 withdrawals per calendar year without penalty.
Opening an account is your decision.
- Account
- Limited access
- Rate type
- Variable
- Access
- Limited withdrawals
- Interest paid
- Yearly
- Least to open
- £10
- Most it holds
- £15,000
- Who can open
- Aged 0 to 17, in LE, NG and DE postcodes
- Protection
- FSCS, £120,000
From Loughborough Building Society’s page
Once four withdrawals have been made, no further withdrawals are allowed in that calendar year.
Closure counts as one withdrawal.
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A passbook must be presented when a withdrawal is requested.
The account will be transferred to a holding account if we don't hear from you by that time.
Loughborough Building Society, principal place of business 56 Woodgate, Loughborough, Leicestershire, LE11 2TZ, United Kingdom. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority for deposit-taking.
Check it at Loughborough Building Society ↗Opening an account is your decision.
- Account
- Limited access
- Rate type
- Variable
- Access
- 1 withdrawal a year
- Interest paid
- Yearly
- Least to open
- Not stated
- Most it holds
- Not stated
- Who can open
- 18 or over, in branch only
- Protection
- FSCS, £120,000 shared with Nationwide Building Society
From Nationwide Building Society’s page
If you withdraw money 2 or more times in an account year, your interest rate will decrease to 1.35% AER/gross a year (variable) for the rest of the account year.
You can only open an account in branch.
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You need to pay money into your account within 28 days or the account will close.
When the child turns 18 and a half, we will move the money to an instant access savings account.
Opening an account is your decision.
- Account
- Easy access
- Rate type
- Variable
- Access
- Not stated
- Interest paid
- Not stated
- Least to open
- £1
- Most it holds
- Not stated
- Who can open
- Aged 0 to 18
- Protection
- FSCS, £120,000
From Harpenden Building Society’s page
Please note that you must fund the account with the minimum balance of £1 within 30 days of account opening, otherwise your application may be cancelled.
Opening an account is your decision.
- Account
- Easy access
- Rate type
- Variable
- Access
- Any time, no limit
- Interest paid
- Monthly
- Least to open
- Not stated
- Most it holds
- £10,000
- Who can open
- Aged 6 to 15, in the app only
- Protection
- FSCS, £120,000
From Monzo’s page
You need to be the child's parent or legal guardian to create an Under 16s account.
You can't open an Under 16s savings account on its own.
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Any interest earned on savings belongs to the main parent or guardian responsible for the account.
They won't be able to withdraw any money from the account until a set date.
Opening an account is your decision.
- Account
- Junior ISA, limited access
- Rate type
- Variable
- Access
- None until 18
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- Junior ISA: no balance limit; up to £9,000 a year can be paid in
- Who can open
- A child is eligible to open a Junior Individual Savings Account (JISA) if: ● They are under 17 years old at the time of application; ● They do not have another Cash JISA; ● They do not have a Child Trust Fund Account; ● They are resident and ordinarily resident in the UK, or are a UK Crown servant, married to or in a civil partnership with a Crown servant, or a dependent of a Crown servant.
- Protection
- FSCS, £120,000
From Furness Building Society’s page
No partial withdrawals are allowed before the child's 18th birthday.
Interest will be added to the Furness Junior ISA on 5 April each year and cannot be withdrawn from the account.
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Please note the Society will require your passbook for any transaction including transfers.
Any payments into the account from third parties are a gift to the child and cannot be withdrawn by the donor under any circumstances.
If we reduce the rate we will tell you no less than 14 days before we make the change.
Opening an account is your decision.
- Account
- Junior ISA
- Rate type
- Variable
- Access
- Not stated
- Interest paid
- Yearly
- Least to open
- Not stated
- Most it holds
- Junior ISA: no balance limit; up to £9,000 a year can be paid in
- Who can open
- Not stated
- Protection
- FSCS, £120,000 shared with Bank of Scotland
From Halifax’s page
We haven’t read this account’s own page yet.
Opening an account is your decision.
- Account
- Junior ISA
- Rate type
- Not stated
- Access
- Not stated
- Interest paid
- Not stated
- Least to open
- Not stated
- Most it holds
- Junior ISA: no balance limit; up to £9,000 a year can be paid in
- Who can open
- Not stated
- Protection
- FSCS, £120,000 shared with Lloyds Bank
From Lloyds Bank’s page
We haven’t read this account’s own page yet.
Lloyds Bank PLC, principal place of business Lloyds Banking Group, 33 Old Broad Street, London, City Of London, EC2N 1HZ, United Kingdom. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority for deposit-taking.
Opening an account is your decision.
- Account
- Junior ISA, limited access
- Rate type
- Variable
- Access
- None until 18
- Interest paid
- Yearly
- Least to open
- £10
- Most it holds
- £2,000,000
- Who can open
- Aged 18 to 17, in branch only
- Protection
- FSCS, £120,000
From Monmouthshire Building Society’s page
You can only open a Junior ISA if you have parental responsibilities of the child.
After the 14 days 'cancellation period' you can't close the account or take any money out until you turn 18.
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Accounts can be held in sole name only.
If we don't hear from you or we can't action your request, we'll transfer the balance to one of our instant access ISAs.
Opening an account is your decision.
- Account
- Junior ISA
- Rate type
- Not stated
- Access
- Not stated
- Interest paid
- Not stated
- Least to open
- Not stated
- Most it holds
- Junior ISA: no balance limit; up to £9,000 a year can be paid in
- Who can open
- Not stated
- Protection
- FSCS, £120,000
From Hanley Economic Building Society’s page
We haven’t read this account’s own page yet.
Opening an account is your decision.
- Account
- Junior ISA, limited access
- Rate type
- Variable
- Access
- None until 18
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- Junior ISA: no balance limit; up to £9,000 a year can be paid in
- Who can open
- Available to eligible UK residents only under the age of 18 and who do not already hold a Child Trust Fund (unless it is being transferred into the Chorley Junior Cash ISA on opening).
- Protection
- FSCS, £120,000
From Chorley & District Building Society’s page
Withdrawals are not permitted until the account holder reaches the age of 18.
The account must be held in the name of the child.
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If we reduce the interest rate and you have at least £100 in your account, we will give you 14 days notification prior to the change and you will have a period of 30 days from the date of the notification to switch or close your account.
This is a limited issue and the Society reserves the right to withdraw this product without notice at any time.
Opening an account is your decision.
- Account
- Junior ISA
- Rate type
- Variable
- Access
- None until 18
- Interest paid
- Yearly
- Least to open
- £10
- Most it holds
- Junior ISA: no balance limit; up to £9,000 a year can be paid in
- Who can open
- A JISA is available to any child under the age of 18 provided they do not have a Child Trust Fund.
- Protection
- FSCS, £120,000
From Buckinghamshire Building Society’s page
Withdrawals are not available on a JISA prior to the maturity date on the child’s 18th birthday, except in the case of death or terminal illness of the child.
Transfers out are permitted subject to a penalty of 90 days loss of interest.
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A person with parental responsibility for the child must operate the account.
Transfers between JISAs can only be made with the entire funds in the account.
Money subscribed by any person is a gift to the child, and as such cannot be repaid to the subscriber if they change their mind at a later date.
Buckinghamshire Building Society, principal place of business High Street, Chalfont St. Giles, Buckinghamshire, HP8 4QB, United Kingdom. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority for deposit-taking.
Opening an account is your decision.
- Account
- Easy access
- Rate type
- Variable
- Access
- Any time, no limit
- Interest paid
- Yearly
- Least to open
- £1
- Most it holds
- £1,000,000
- Who can open
- To open an account the child must be a UK resident aged under 18.
- Protection
- FSCS, £120,000 shared with The Co-operative Bank
From The Co-operative Bank’s page
If the minimum amount of £1 isn't paid within 30 days we may close the account.
Only 1 account can be opened per child.
All 3 from their page ›
If we decrease the rate, we'll give you 2 months' notice of the change.
Opening an account is your decision.
How we compare
We rank an account only when its own page states the terms that decide it.
The rest stay on the page with their reason, never above a compared one. No one pays to change the order.