Best Junior cash ISA rates

A Junior cash ISA is tax-free cash held for a child. The Junior ISA allowance is £9,000 a year, and it is separate from the adult £20,000 allowance. The money usually cannot be taken out before the child turns 18.

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12 accounts

Sorted by highest rate · Checked 17 Oct 2026, 09:52

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  1. Junior Cash ISA

    Bath Building Society

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    Only for people living in Bath (BA1 and BA2), or whose parent has been a customer for 12 months

    Children's savings · Checked 6 hours ago · verified at source · Report a wrong rate

    4.15%AER variableMinimum deposit £1

    Transfers in: yes

    New money limited to the £9,000 yearly Junior ISA allowance.

    FSCS protected · limit shared with Bath Building Society

    Interest: Annual

    View details: Junior Cash ISA

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  7. Danske Junior Cash ISA

    Danske Bank

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    Only for people living in Northern Ireland if they are a new Danske customer

    Children's savings · Checked 6 hours ago · verified at source · Report a wrong rate

    3.75%AER variableMinimum deposit £25

    Transfers in: yes

    New money limited to the £9,000 yearly Junior ISA allowance.

    FSCS protected · limit shared with Northern Bank Limited (FRN 122261)

    Interest: Annual

    View details: Danske Junior Cash ISA
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Questions

Can the money be taken out before 18?

Usually not, except in limited cases the provider states. The account page is the place to read that rule.

Are other children’s savings accounts on this list?

No. This page is Junior cash ISAs. Children’s easy-access accounts and regular savers are under children’s savings.

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