Good Start Saver

When the child is under 16 only the Legal Representative on the Junior Cash ISA account can operate it. This is the person with parental responsibility for the child who opened the account.

From the age of 16 a child can choose to remove the Legal Representative from the account, or open a Junior Cash ISA themselves, and then they operate the account themselves.

It is not possible to change the type of account. However, once you have opened a Triodos Junior Cash ISA, you can move funds from your Good Start Saver or Right Start Saver into it, subject to the Junior ISA allowance of £9,000 for the 2026/27 tax year.

When the child turns 18 the account will automatically convert to an adult variable rate cash ISA in the child's name only. After this date, the child can choose whether to access the money or continue saving. We will send reminders nearer the time.

A child can only hold one Junior cash ISA and one Junior stocks and shares ISA at any time and cannot hold a Junior ISA and a Child Trust Fund at the same time as a Junior ISA of any type. So if your child already holds a Junior ISA of the same type or a Child Trust Fund, it must be closed and transferred to the Triodos Junior ISA.

You can also choose to transfer funds between a Triodos Junior Cash ISA and a Juior Stocks and Shares ISA, or between Junior ISAs with other providers.

• Transfers of current year’s subscriptions or transfers between the same type of Junior ISA must always be done in full.
• Partial transfers can only be done if they are previous years’ subscriptions and you are moving the subscriptions between different Junior ISA types e.g. Junior cash to Junior stocks and shares or Junior stocks and shares to Junior cash.

• The whole of the Child Trust Fund must be transferred and the Child Trust Fund subsequently closed.
• The annual subscription allowance for a Child Trust Fund is based on the child’s birth year while Junior ISA subscriptions are based on tax years. When a transfer of a Child Trust Fund to a Junior ISA has been made, the child can use the full Junior ISA subscription allowance for the tax year in which the transfer takes place regardless of any subscriptions made to the Child Trust Fund in that year. This only occurs in the tax year in which the Child Trust Fund is transferred. In subsequent years only the Junior ISA allowance can be used.

By completing an application for any of our Personal Savings accounts online you are automatically registered for Internet Banking and can manage your account online.

If your application was made by post, then Internet Banking access is available for the following Personal Savings accounts:

• Triodos Saver
• Triodos Cash ISA
• Triodos Regular Saver
• Triodos Fixed Regular Saver
• Triodos Charity Saver

You can also access Triodos Right Start Saver and Junior ISA accounts online, but you can't make payments from these accounts.

If you want to apply to manage your existing Triodos account online, download the application form below or call us on 0330 355 0355 and we'll send you one. Before completing an application form, please ensure you have read our Terms and Conditions for personal savings accounts below.