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Call us 0800 121 8899

Customer Service Centre

We're open and we're here to help you. The opening hours may be different and the wait time might be longer than usual during busy times. Thank you for your patience.

Opening hours

Monday to Friday 8am-7pm
Saturday 9am-2pm
Sunday closed
Closed on bank holidays 

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All enquiries 0800 121 8899

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Maintenance update

We’re giving our system a bit of a check up tonight from 11pm for a few hours. While we do that, our Online Services, password set-up service and savings account opening won't be available. We’ll be back up and running by the morning.

Junior Individual Savings Accounts (junior ISAs) are longer-term tax-free savings accounts for under 18s. Interest on junior ISAs is always paid tax-free.

For the 2020/2021 tax year, the deposit allowance for junior ISAs is £9,000.

The annual allowance can be saved in a junior cash ISA, a junior stocks & shares ISA, or a Child Trust Fund. Innovative finance ISAs aren't available for children.

A child can only hold one junior cash ISA. We only offer a junior cash ISA.

A junior ISA has an account holder and a ‘registered contact’

The account holder is the child and all the money in the junior ISA belongs to them.

If the account holder is under 16, a Junior ISA must be opened for them by a 'registered contact'. This must be an adult with parental responsibility for them who will manage the account and receive all correspondence until the child reaches 16.

If the young person is 16 or 17, they can open a junior ISA on their own (see below) – they are both the account holder and the registered contact - and they're also able to open an adult ISA.

There's no access to the money until age 18

It's not possible to take money out or close a junior ISA before the child is 18, but you can transfer all the savings to another junior ISA provider if you wish.

For more about junior ISAs, visit the Government's website and type 'junior ISA' in the search box.

We offer a Junior Cash ISA

At the Coventry, we only offer cash ISAs. Find out more about our Junior Cash ISA »

When the young person reaches 18, their Junior Cash ISA is automatically converted to a Matured Junior ISA (an adult cash ISA) and then they'll be able to access their money if they wish, but we'll need to see some ID from them first.

Their new adult cash ISA will be subject to its own Specific Terms - we'll send them all the information they need about paying in and withdrawing money from their new account just before they reach the age of 18.

If your child has a Child Trust Fund, you can transfer it into a junior ISA

If your child holds a Child Trust Fund, it’s straightforward to transfer the savings to our Junior Cash ISA. Ask us in any branch or call 0800 121 8899 and we’ll explain how it works. The registered contact will need to fill in and sign a form, and then we do the rest.

If you’re 16 or 17, you can save in a junior ISA and an adult ISA

You can open an ISA and, if you don't already have one, you can also open a junior ISA on your own.

With all junior ISAs, it's not possible to take money out or close the account before you turn 18, but you can transfer all the savings to another junior ISA provider if you wish.

If you open a Junior Cash ISA with us, when you reach 18 we'll automatically convert it into a ‘Matured Junior ISA’ which is an adult cash ISA.

Remember that under ISA rules, over 18s are only allowed to pay into one cash ISA in each tax year, which counts towards their annual ISA allowance. So when you get to 18, if you have a cash ISA and a Matured Junior ISA and want to keep building up your tax-free savings, you'll need to decide which ISA to pay into. It depends on the terms for the ISAs, but you might choose to transfer your ISA savings into one account.