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Children's ISA Providers

Compare Children's ISA Providers
The junior ISA limit for 2017/2018 is £4,128. A junior ISA offers a convenient, tax-efficient way to save for your child's future.
Easy Access Cash ISAs

30 Day Notice Cash ISAs

from Aldermore

Interest Rate (AER) 0.80%
  • Term: Easy Access

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

  • Early withdrawals are permitted subject to loss of interest equivalent to the notice period
  • Open account with £1000

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Instant ISA Saver

from Nationwide

Interest Rate (AER) 0.50%
  • Term: Instant Access
  • Instant access
  • Minimum deposit £1
  • Open and manage your account online or in branch
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be 16 or older

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)
Fixed Rate Cash ISAs

3 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.25%
  • Term: 3 Years

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

  • 1.85% gross/AER fixed for 3 years.
  • £1,000 minimum opening balance

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

3 Year Fixed Rate Cash ISA

from Bank of Cyprus

Interest Rate (AER) 1.28%
  • Term: 3 Years


  • Minimum deposit £500
  • Available to individual applicants aged 16 or over
  • Access to funds before the end of the term is subject to a fee equivalent to six months’ interest

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

2 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.20%
  • Term: 2 Year

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

2 Year Fixed Rate Cash ISA

from Bank of Cyprus

Interest Rate (AER) 1.23%
  • Term: 2 Years


  • Minimum deposit £500
  • Available to individual applicants aged 16 or over
  • Access to funds before the end of the term is subject to a fee equivalent to six months’ interest

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

1 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.00%
  • Term: 1 Year

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

1 Year Fixed Rate Cash ISA

from Bank of Cyprus

Interest Rate (AER) 1.13%
  • Term: 1 Year


  • Minimum deposit £500
  • Available to individual applicants aged 16 or over
  • Access to funds before the end of the term is subject to a fee equivalent to six months’ interest

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Children's ISA Providers

Children's ISAs, also known as Junior ISAs, were introduced in November 2011 to replace Child Trust Funds. Children's ISAs are designed to help parents save for their children in a tax-free or tax-efficient way.

Rules of Children's ISAs

Junior ISAs operate on a similar basis to adult ISAs. Some of the regulations include:

  • The annual Junior ISA allowance is different to that of a normal ISA, you can check the isa allowance limits:
  • The accounts are a tax-efficient wrapper that allows parents, grandparents, friends or guardians to invest up to the maximum allowance a year on a child's behalf, in either cash account or investment funds. These savings and investments cannot be cashed in before the child reaches 18.
  • There are both Junior Cash ISAs and Junior Stocks & Shares ISAs available.
  • Like adult ISAs, you can divide the junior ISA allowance between cash and investments in whatever proportion you wish.
  • Children who already have a Child Trust Fund - that is, children who were born between 1st September 2002 and 3rd January 2011 - do not qualify for a junior ISA. However, there have recently been proposals to allow Child Trust Fund holders
  • A young person aged 16 can open their own Junior ISA; they can also open a regular cash ISA as well.
  • Alternatively an adult with parental responsibility may open a junior ISA on behalf of someone aged under 16 years old.
  • Anyone can contribute towards the Junior ISA once it is opened, including grandparents, family members and friends.
  • All money contributed into a junior ISA is considered a gift and cannot be subsequently returned to the giver if they subsequently change their mind.
  • No withdrawals can be made from the account, until the child turns 18 at which point the account rolls over into a normal type of ISA, in their name, and they can do with it whatever they wish.


Compare the Best Children's ISA Providers

Points to consider when comparing children's ISA providers include:

  • The rate of interest available
  • Whether the provider offers junior cash ISA or a junior stocks and shares ISA
  • Any fixed term interest bonuses - when these end, you may want to switch to a new provider

Currently, not all of the most well-known banks offer junior ISAs, so you may need to look beyond the high street to find the best deal available. Current junior ISA providers include Family Investments, Scottish Friendly, Alliance Trust and Nationwide, and more. Use the tables above to compare a range of the best children's ISAs that are currently available.

Cash ISAs

ISAs are a tax-advantageous way to save or invest, check out some of the ISA options below

ISAs Products

Fund ISAs

There are a range of types of fund ISA

Fund ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

How to choose the best ISA?

7th April 2017

You can invest your full ISA allowance of £20,000 into one ISA or split your allowance between the three types of ISA available. Cash, Stocks and Shares and Innovative Finance. However, this leaves the question of how to choose what works best for you?

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