When your child turns 18, their Junior Cash ISA turns into an adult cash ISA (called a Matured Junior ISA). From 18, your child can access their savings; all they'll need is to provide some ID to allow us to approve their access.

Before your child's 18th birthday, we'll send information about the specific terms of their new account so they know how to pay in and take money out.

The Junior Cash ISA (including all money invested) belongs to the child. However, if they're under 16, an adult with parental responsibility (known as the 'registered contact') must open the account on their behalf and manage it until they turn 16. The registered contact will also receive any updates and correspondence about the child's account.

If your child has a Junior Cash ISA, they can't access their savings or close the account until they turn 18. But if they want to, they can move all their savings to another Junior Cash ISA provider.

One thing to remember is that you can only hold one Junior Cash ISA at a time, so you would need to transfer any Junior Cash ISA funds in full.

 Yes, up until the age of 18.

As you may already know, when your child turns 18 they can only pay into one Cash ISA per year. On the childs 18th birthday we will convert the account to a Cash ISA. 

If your child has a Child Trust Fund (CTF), it’s easy to transfer the savings into our Junior Cash ISA. The registered contact will simply need to fill in and sign a form, then we’ll take care of the rest. Just call us at 0800 121 8899 or pop into a branch and we’ll explain how it works.

Remember: you can only hold one Junior Cash ISA or Child Trust Fund at a time, so you would need to transfer the full balance of a Junior Cash ISA.