A child must be aged between 7 and 15 to open a Right Start Saver for themselves, or 16 or 17 to open an Ethical Junior Cash ISA themselves.  Alternatively both our Right Start Saver and Ethical Junior Cash ISA accounts can be opened by adults with parental responsibility for a child.  This is to make sure we have the appropriate consent to hold personal data for the child.  Once the account is open, funds can be paid in by anyone.   

To set up a Junior Cash ISA for a child, the parent or person with legal parental responsibility for the child will need to be identified. We also need the child’s original birth certificate, original NHS card or a certified copy of their passport. All certified copies must be in colour. We’ll return original documents by registered post. To help us verify the identity of customers opening an account we may make an electronic search, using the information you supply. In some instances we may need to ask you to send in further information or documents.

Certifiers must clearly write that they have seen the original document, and that the photograph, if applicable, represents a true likeness of the individual.  They must also include their full name, profession, business address, phone number and the date they certified the document.

The following people can certify documents for you:

•  Accountants (registered with either ICAEW, ICAS, CAI, ACCA, CIPFA or CIMA)
• Solicitors
• Post Office – a fee may be charged for using this service
• Bank staff (must include branch stamp)

A child may 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.

You can however apply to transfer a Junior ISA or a Child Trust Fund from one provider to another. You can also transfer between the different types of Junior ISA, in either direction.

• 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.

When your child becomes 16 they can become the Account operator and manage their own account if they want to.

Within a couple of days from when your online only account is opened, or an existing account has been set up with internet banking, we'll send your username by email, and your unique password by post. Please contact us if they don't arrive.

If you open a new account, and you already have internet banking access for another account, you can use your existing username and password.

Yes, you can change the adult operator on a JISA by completing a change of account operator form. Only one adult is able to operate the account.

Regardless of who put the money into the Junior Cash ISA, the money in the account belongs to the child. It is only the child that can make withdrawals once they turn 18.

Each child can have one Junior cash ISA and one Junior stocks and shares ISA at any one time. These can be with different providers.

A child cannot hold both a Junior ISA and a Child Trust Fund, with the same or different providers.

Anybody can deposit money into a child's Junior Cash ISA.

Before the child turns 18 we will contact you to confirm that the Triodos Ethical Junior Cash ISA will become a Triodos Cash ISA on the child’s 18th birthday. After this date the child can decide what they wish to do with the account/funds.

A Junior cash ISA can only be opened by a person with legal parental responsibility for the child. The person applying must be aged 16 or over. If the child is 16 years old, the child may open the account themselves.

When you pay funds into your Account, your funds will start earning interest from the day the funds are paid into your Account.

The ISA allowance is the maximum amount you can invest across all types of ISAs in any one tax year. You can put your whole allowance into a particular type of ISA or you can split it between the different types of ISAs: Cash, Stocks & Shares, Lifetime and Innovative Finance. The ISA allowance for the 2019/20 tax year is £20,000. For Junior Cash ISAs, the allowance is £4,368.

Yes, you can change your existing Triodos cash ISA to one of the following types of Triodos cash ISAs:

• Triodos Online Cash ISA
• Triodos Cash ISA
• Triodos Two Year Fixed Rate Cash ISA
• Triodos Three Year Fixed Rate Cash ISA

Changes to a different type of Triodos cash ISA are not permitted from Triodos Ethical Junior Cash ISAs or non-ISA savings accounts.

Once you've decided which cash ISA suits you best, you can change the type of your Triodos Cash ISA to one of our other cash ISAs by completing and posting us the form below.

Before downloading the form to change your account type, please make sure you have read the following;

• Summary Box for your chosen cash ISA
• Personal Banking Terms and Conditions
  
• Tariff of charges for Personal Customers
  
• FSCS information sheet
  

Once you have read the important information above please download, print and complete the form below, then post it to us at:

Freepost TRIODOS BANK

On receipt of a completed request, we will change the type of cash ISA you hold, the balance of your account and your account number will remain the same. All money held in the account will maintain its tax-free status and the change will not affect your subscription allowance. We will write to you to confirm when we have actioned your request.

To top up a Triodos Cash ISA:

• Make a transfer from another account (either an account with another provider or another Triodos account that allows withdrawals)
• Transfer by cheque if the Triodos cash ISA you want to subscribe to accepts cheques - contact us if you are not sure on 0330 355 0355 or +44 (0)117 973 9339 if calling from abroad

The Triodos sort code is 16-58-10 and you can find your Triodos cash ISA account number on your statements. If you want to deposit a cheque, please post it along with a paying-in slip to:

Freepost TRIODOS BANK

If for any reason you need to withdraw your money earlier than the notice period, you will need to write to us by post or secure message in internet banking.

At our discretion you may have access to your savings without waiting the notice period for Online Cash ISA, 90 Day Notice Online Cash ISA and Cash ISA.  However we will charge you the interest due on the amount withdrawn for the part of your notice period for which you have not given notice. So if you withdraw £500 on 15 Calendar Days’ notice from an Account set up on 90 Calendar Days’ notice, then a charge equivalent to the interest you would have earned on that £500 for 75 Calendar Days (i.e. 90 - 15) will be deducted from your Account.

For Fixed Rate ISAs withdrawals are not allowed until maturity. The only exception to this is if you close the account and/or transfer the full balance to another ISA.  Early closure will result in an early access charge being applied equivalent to a number of days of interest.

2 year term – 180 days’ interest

3 year term – 270 days’ interest

The charge will be taken from the account balance, so you may get back less than originally deposited.

Instructions given in internet banking to make a payment from your account will only be carried out after the expiry of any notice period on your account. Any attempt to schedule a payment before then will be rejected.

To top up a Triodos Junior Cash ISA, you can:

• Make a transfer from another account (either an account with another provider or another Triodos account that allows withdrawals)
• Transfer by cheque made out to the child

The Triodos sort code is 16-58-10 and you can find your Triodos cash ISA account number on your statements. If you want to deposit a cheque, please post it along with a paying-in slip to:

Freepost TRIODOS BANK

From the age of 16, the account must be held in the name of the young person. We’ll be in touch at the time to let you know what you need to do.

A nominated account is an account in your name(s) with either another bank/building society, or an existing Triodos account that allows you to transfer funds.

You need a nominated account for when applying for one of our accounts online and your opening deposit must be made by electronic transfer from your nominated account. Also if you want to transfer money from your account online, you must do so to your nominated account.