What happens to my child's Triodos Junior Cash ISA when they reach 16?

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.

No. All money paid into a Junior Cash ISA is a gift to the child and cannot be returned or withdrawn.

Withdrawals are not permitted until the child is 18 years old, except in the event of death or terminal illness of the child. When the child turns 18 the account will automatically convert into an adult cash ISA in the child's name only. Then only the child will be able to access the money.

It is, however, possible to transfer a Junior Cash ISA to a Triodos Junior Stocks and Shares ISA or to a Junior ISA with another provider at any time.

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

The first payment into a Junior Cash ISA or Junior Stocks and Shares ISA must be transferred from the nominated bank account in the Legal Representative's name, or by transferring an existing Junior ISA or Child Trust Fund to Triodos. After this, payments can be made from any account and can come from anyone - grandparents, friends and wider family.

The Triodos Bank sort code is 16-58-10 and you can find your Junior ISA account number by logging in to your account online or via the Triodos Mobile Banking App, or by checking your bank statements.

Yes, you can change the Legal Representative on a Junior Cash ISA by contacting us to complete a change of Legal Representative. Only one adult is able to operate the account at a time.

To make this change, please send us a chat message in the Triodos Mobile Banking App by going to ‘More’ then ‘Help’, or by logging into Internet Banking. You can also call us on 0330 3550 355, or +44 (0)117 973 9339 if you are calling from abroad.

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 a Child Trust Fund at the same time as any type of Junior ISA, with the same or different providers. If the child already has a Child Trust Fund, this must be closed and transferred to the Junior ISA.

Yes, you can. You’ll need to contact your new provider and they’ll arrange the transfer for you – there’s no need to contact us.  

Make sure you are the Legal Representative on the Triodos Junior ISA and all the details on your new provider’s transfer form match those used for your Triodos Junior ISA account, including your name, address, date of birth and National Insurance Number. 

Yes, you can change your existing Triodos cash ISA to a Triodos Online Cash ISA or Fixed Rate Cash ISA by completing the form below.

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

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

• Key Features Document for Triodos Online Cash ISA
  
• Key Features Document for Triodos Fixed Rate 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 complete and return the form to us either by chat message in internet banking, or post to: 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.

Right Start Saver accounts are for people aged 18 and under. We’ll be in touch when the account holder turns 18. If we don’t hear back from you, we’ll close the account and transfer the funds to another Triodos account, until we receive your instructions.

In March 2022 we took the difficult decision to suspend applications for our children’s accounts, Right Start Saver and Junior ISA. 

Introducing young people to the principles of sustainability remains a core ingredient of Triodos’ mission and we are committed to providing young people with a route into sustainable banking. So we are working hard to build new processes to enable young savers to be able to start their banking journey with Triodos with the high standard of customer service we want for all our customers. Until then new account applications will remain closed.

There are no changes to existing Right Start Saver and Junior ISA accounts. These will continue to operate in the same way and new deposits can continue to be made to existing accounts.

You need to be a UK resident to be eligible to apply for any of our savings and deposit accounts.

No. Only one adult Legal Representative can be attached to the account.

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.

If the child is aged under 16 the Junior Cash ISA or Junior Stocks and Shares ISA can only be opened by a person with parental responsibility for them. If the child is 16 or 17 they can open the account themselves, or a person with parental responsibility can do it for them.

The first payment into a Good Start Saver must be transferred from the nominated bank account linked to the Good Start Saver account. After this payments can be made from any account and can come from anyone - grandparents, friends and wider family. The Triodos Bank sort code is 16-58-10 and you can find your Good Start Saver account number by logging in to your account online or via the Triodos Mobile Banking App, or by checking your bank statements.

When the child turns 18 the account will automatically convert to an adult variable rate savings account in the child’s name only. The child can then choose whether to access the money or continue saving. We will send reminders nearer the time.

No. Good Start Saver accounts can only be opened by a person with parental responsibility for the child. They must be aged 16 or over and a UK resident. This person will be the Legal Representative on the account and the child will be the Account Holder.

No. Good Start Saver accounts can only be managed by the Legal Representative on the account. This will be the person with parental responsibility for the child who opened the account. Only they can give us instructions to manage the account, and we will contact them about the account.