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Start saving for your child’s future with our Junior Cash ISA and build up tax-free savings for when they reach 18.

Please note that the Society is currently not accepting transfers in to Junior Cash ISA Accounts from other Junior Cash ISA providers.

Summary Box

The Information provided is a summary of the key features of the savings account and is not intended to be a substitute for reading the terms and conditions that apply to the account.

What is the Interest Rate?2.35% Gross/2.35% AER


AER stands for Annual Equivalent Rate.  It illustrates what the interest rate would be if interest was paid and compounded each year.


Interest is calculated daily and is variable.  Interest is compounded annually on the 5th April.


See our current interest rates for all savings accounts.

Can esbs change the Interest Rate?We may change interest rates at any time if we reasonably believe the change is needed.  Please refer to Condition 7 – Interest in the Terms and Conditions for esbs Retail Savings Accounts for further details.
What would the estimated balance be after 12 months based on a £1,000 deposit?



The projected balance based on the current interest rate is £1,023.50.

This projection is provided for illustrative purposes only and does not take into account the individual circumstances of the customer.

How do I open and manage my account?


  • A Junior Cash ISA may only be opened by a person aged 16 or over with parental responsibility for the eligible child who must be a UK resident.
  • Minimum balance £10.
  • Maximum subscription limit is £9,000 from the 6th April 2022 to the 5th April 2023.
  • To apply for a Junior Cash ISA please read the Junior Cash ISA leaflet to ensure this account is suitable for you.  Please be certain to read the Terms and Conditions for esbs Retail Savings Accounts.
  • If you wish to open an account you can download and print an application form, apply in person in one of our branches or call our Savings Team on 01455 844422.  Please remember to provide the correct Identification and funds.
  • You can manage your account at our branches or by post.
Can I withdraw money?
  • No withdrawals permitted until the child reaches 18.
Additional Information
  • Existing Child Trust Fund account holders either resident or non-resident in the UK may transfer their account in full to a Junior Cash ISA.
  • When the child reaches 18, the account will be transferred into another account with the Society or closed.  If no instructions are received the account will be transferred to another account with the Society which may pay a lower rate of interest.
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