You can open a Triodos Ethical Junior Cash ISA account, and transfer the funds from your Right Start Saver into it, subject to the Junior ISA allowance of £4,260 for the 2018/2019 tax year.

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.

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.

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

Who can open an account for a child?

Both our Right Start Saver and Ethical Junior Cash ISA can be opened by an adult with parental responsibility for a child.  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.

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.

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

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.

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. 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.

No, only one adult operator can be attached to the account.

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

ISAs let you save or invest up to £20,000 tax free each tax year. If you still have some of your ISA allowance remaining for the 2018/19 tax year (which ends on 5 April 2019), then use the table below to find out the cut-off date for you to invest or save, and make the most of your ISA allowance. 

Existing Cash ISAs including Junior ISAs

• Paying by cheque: Midday Friday 5 April
• Paying by electronic transfer: 6.30pm Friday 5 April

Existing Stocks & Shares ISAs (must be accompanied by a completed top-up form)

• Paying by cheque: Midday Monday 25 March
• Paying by electronic transfer: 10.00am Thursday 4 April

New Cash ISA

• Online application and electronic funds transfer: Wednesday 3 April
• Paper application with opening deposit cheque: Midday Friday 5 April

New Junior Cash ISA

• Paper or printed online application with opening deposit cheque and suitable ID: Midday Friday 5 April

New Stocks & Shares ISA – paper application

• Paying by cheque: Midday Monday 25 March
• Paying by electronic transfer: 10.00am Thursday 4 April

For electronic transfers please check with your sending bank to ensure your payment will reach us by our deadlines for this tax year as stated above.

Payments that reach us after these cut-off dates and times will still be processed, but will count towards your subscription for the tax year 2019/20.

If you hold a Triodos Fixed Rate Cash ISA, you cannot pay into that account if it has been open for more than 60 calendar days.

Declare your ISA eligibility

If you haven’t put money into your ISA for a whole tax year, then you’ll need to re-declare your eligibility before you can pay into your ISA. The easiest way to do this is in Triodos Internet Banking – go to ‘Account Management’, and select ‘ISA Declaration Management’.

If you don’t have Internet Banking, you can download an ISA declaration form or request one by calling us on 0330 355 0355 (8.00am – 6.00pm Monday to Friday. Calls may be recorded for training and monitoring purposes).

To top up your Triodos Stocks and Shares ISA, simply download and complete the Stocks and Shares ISA top-up form below and post it to: Freepost RTAB-JGZR-BUHK, Triodos Bank,T. Bailey Asset Management Ltd, 64-66 St James’s Street Nottingham NG1 6FJ

There's still time to top up this tax year

If you'd like to top up in the 2018/19 tax year to make the most of your ISA allowance, your payment and top-up form will need to reach us by our ISA deadlines.

From 6 April 2016, the following Triodos ISAs were made flexible (subject to change; please see our ‘Terms and Conditions for our personal banking accounts’ for confirmation of which of our ISAs are flexible ISAs):

• Triodos Online Cash ISA
• Triodos Cash ISA
• Triodos 90 Day Notice Online Cash ISA

If you have one of these accounts, it will be a flexible ISA, regardless of whether you opened your account before or after 6 April 2016.

The Triodos Fixed Rate Cash ISAs, Ethical Stocks and Shares ISA and Ethical Junior Cash ISA are not flexible.