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Company Name of Account Gross Interest Rate AER Notice Period Minimum Deposit Type of Account
Junior Cash ISA (Relationship Rate) 6.00% 6.00% Age 18 £1 Branch
Junior Cash ISA 4.00% 4.00% Age 18 £25 Telephone, Branch
1 Year Junior Cash ISA (Loyalty) 3.40% 3.40% 1 Year £25 Internet, Telephone, Branch, Post
Smart Junior ISA 3.25% 
3.25% Age 18 £1 Internet
Cash ISA 3.25% 3.25% Age 18 £1 Telephone, Branch
Junior Cash ISA 3.05% 3.05% Age 18 £1 Branch, Post
Junior ISA 3.05% 3.05% Age 18 £1 Post
Junior Cash ISA
Junior ISAs (Individual Savings Accounts) were launched on 1st November 2011 aimed at encouraging children and parents to save.
Junior ISAs are available in two forms, Junior Cash ISA and Junior Investment ISA.
Junior Cash ISAs work in a similar way to deposit accounts with no tax deducted from the interest. Junior Investment ISAs allow savings to be invested in stocks and shares.
The maximum which can be contributed to a Junior ISA is £3,600 per tax year and this can be paid by parents, grandparents, guardians or other family members.
Junior ISAs can be taken out by any child under the age of 18, providing that they do not already have a Child Trust Fund. No money can be withdrawn until the child reaches the age of 18, at which time the savings can be surrendered or rolled over into an ‘adult’ ISA.
