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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 now accepting Cash ISA transfers in.


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?4.60% Gross/4.60% AER (From 21 August 2023)


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 £1,046.00.

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?



  • This junior cash ISA is available to children under the age of 18, resident in the UK.
    Where the child is aged 16 or over, either the child or a person with parental
    responsibility can apply to open the account. Where the child is under 16 only a
    person with parental responsibility over the age of 16 can apply to open the JISA
    for the child.
  • Minimum balance £10.
  • Maximum subscription limit is £9,000 from the 6th April to the 5th April.
  • 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, should you wish for an application form to be sent in the post for you, call our Savings Team on 01455 844422 (Option 1).  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
  • Junior Cash ISA transfers to the Society will be accepted without charge, subject to a completed transfer application form. The Society reserves the right to not accept transfers in to the Society from time to time.
  • 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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