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 2020/21 tax year is £20,000. For Junior Cash ISAs, the allowance is £9,000.

No. The money can't be taken out until the child is 18.
If you wanted to take the money out of the Junior Cash ISA you must contact HM Revenue & Customs (HMRC) visit www.hmrc.gov.uk.

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 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.

By completing an application for any of our 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 accounts:

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

You can also access the Triodos Right Start Saver account online but you can't make payments from this account.

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.

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

From 6 April 2020, the Junior ISA allowance is £9,000 for the 2020/21 tax year.

Yes. You can open an Ethical Junior Cash ISA and request that your Child Trust Fund is transferred to us. See the Ethical Junior Cash ISA page for more information.

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.

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.

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.

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.

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 split your ISA allowance into different types of ISA: Cash, Stocks & Shares, Lifetime, and Innovative Finance.

Yes. As long as the child was a UK resident when the Junior cash ISA was opened, you will still be able to pay into the Junior cash ISA even though you and/or the child have moved abroad.

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)

To top up your Triodos Stocks & Shares ISA, download and complete the Stocks & Shares ISA top-up form below and email it to clientservices@tbailey.co.uk – this is the company that we use to  process our investments.

Remember, to invest in the Triodos Impact Funds you:

• must be a UK resident
  
• should see your investment as long term (5-10 years), because it can go down in value as well as up, and you may not get back what you invest. Income is variable and not guaranteed.
• understand your total return is subject to the euro-sterling exchange rate, because the Triodos impact funds are operated in euros and quoted in sterling.
• should ask an independent financial advisor if  you're unsure which investment is right for you. Triodos Bank doesn’t offer financial advice.

You should also read the important information needed to make an informed decision about your investment:

• Terms and conditions
  
• Supplementary Information Document
  
• Addendum to the T&Cs and SID
  
• Prospectus
  
• Key Investor Information Documents:
  • Triodos Global Equities Impact Fund KR-Cap
    
  • Triodos Global Equities Impact Fund KR-Dis
    
  • Triodos Pioneer Impact Fund KR-Cap
    
  • Triodos Pioneer Impact Fund KR-Dis
    

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

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.

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