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Junior Cash ISA

A tax-free account for a child which is ideal for long term savings. It is a good introduction to the ISA market for a child. You can vary the amount you save while taking advantage of the Junior ISA subscription limit. Currently restricted to children who live, work or study in Bath, or whose parents, grandparents or legal guardian have been a Bath Building Society customer for at least the past 12 months.

Here are some Frequently Asked Questions about Junior ISAs. Find out more and apply online.

Interest rate (AER)
Min/Max amount
£1 - max annual allowance
Not before 18th birthday

Suitable for savers who:

  • live, work or study in Bath, or the parent, grandparent or guardian has been a Bath Building Society customer for at least the last 12 months
  • want a long-term tax-free savings account for a child
  • are 16 or 17, live, work or study in Bath and want to start saving tax-free for themselves
  • want to manage the account online, via the Mobile App, by phone or in our Branches

Not for savers who:

  • might need access to the money before the child is 18
  • want to transfer in an existing JISA or Child Trust Fund

Is this the right product for you?

Please read the Key Product Information below before applying

  • What is the interest rate?
    • £1+ 5.49% AER*.
    • We calculate the interest daily and pay it annually on 31st December. Interest can be added to your account or paid to your nominated account.
    • *AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and compounded once each year. The gross rate is the interest rate payable before tax.
  • Can Bath Building Society change the interest rate?
    • The interest rate is variable, so it can go up or down at any time.
    • For more details about why we might change the rate, you should read your Welcome to your Bath Building Society Account brochure.
  • What would the estimated balance be after 12 months based on a £1,000 deposit?


    • This would be the balance after 12 months if £1,000 was paid in, all interest was paid back into the account, there was no change to the interest rate and no money was taken out or paid in.
    • ISA means Individual Savings Account. When you pay money into your ISA, you subscribe to your ISA. Your payments are called subscriptions. All interest you earn from your ISA is tax free.
    • This is just an example to help you compare accounts. It does not take into account what you may do with the money in your account.


  • How do I open and manage my account?
    • This account is for children under the age of 18.
    • To open this account you must either be a child who is under 18 or a parent or legal guardian of the child if aged under 16.
    • If you are 16 or older, you can open the account by yourself.
    • Any money put in the account is owned by the child.
    • You must live in the UK to open this account or have a parent or legal guardian who is a Crown Employee serving overseas.
    • You can open it with £1.
    • This is a Cash ISA. You can only subscribe up to the maximum Junior ISA allowance each tax year. The overall Junior ISA allowance for 2024/2025 is £9,000.
    • Your subscriptions can be split between Cash Junior ISAs and Stocks and Shares Junior ISAs up to the overall Junior ISA allowance. We do not offer Stocks and Shares Junior ISAs.
    • You cannot transfer your Cash Junior ISA or Child Trust Fund into this account.
    • You can open an account on our website or by visiting one of our Branches in Bath.
    • You can manage the accounts you hold with us through Bath Online, or by using our Mobile App. You can register for Bath Online on our website, and you can register for the Mobile App on your smartphone.
    • Account holder identification will be required. This is usually obtained through our electronic identity verification service. However, if this proves inconclusive, here’s some popular ways to verify your ID.
  • Can I withdraw money?
    • This is a restricted access account. Money cannot be taken out until the child’s 18th birthday.
    • We will ask for identification for the child when they turn 18.
    • You can transfer all of your previous tax year subscriptions to another ISA provider. After you speak to your new ISA provider, they will let us know so we can make the transfer.


  • Additional information
    • We will write to the child at least 14 days before their 18th birthday to let them know what accounts we have for them. If we do not hear from them, the account will become an Instant ISA.
    • You must show us that you live, work or study in Bath to open this account. If not, you must have been a mortgage or savings customer for at least the last 12 months.
    • A child under 18 can only have one Junior ISA.
    • The parent or legal guardian who opens this account will be the registered contact. The account will be in the child’s name.
    • Anyone can put money into the account, and the child will take over the account when they turn 18.
    • This account is protected by the Financial Services Compensation Scheme (FSCS). You should read your FSCS Information and Exclusions sheet for more information about how your money is protected.
    • This account is a savings account, not a payment account as outlined in the Payment Services Regulation 2017.
    • You should read our Savings Terms & Conditions and Junior ISA Terms and Conditions document to fully understand how your account works.
    • We can close an account at any time if you act inappropriately, such as by using abusive language.

Important information before you apply

Before you apply please read our terms and conditions document and FSCS information sheet alongside the key product information above to understand how this account works.

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