SAVINGS PRODUCT

Junior Cash ISA Issue 1

Closed Issue. Give them a strong financial start. Tax-free junior savings account with interest paid annually on 31st of October. Junior ISA deposit limits apply. No withdrawals permitted until maturity on child’s 18th (ISA transfers out are permitted).

  • Interest Rate

    3.75% AER/Tax-Free* Variable

  • Minimum Account Balance

    £1

  • Withdrawal Notice Period

    None

  • Availability

    Children under the age of 18 only

About this Account

What is the Interest Rate?

3.75% AER/Tax-Free* Variable for a year effective from 23/01/2026

Can The Stafford change the Interest Rate?

Yes, the interest rate is variable, so it can go up or down.
If we change the interest rate, we will give you 14 days’ notice. Full details, including the reasons why we may change the interest rate, are provided in our Junior Cash ISA Terms and Conditions.

What would the estimated balance be after 12 months?

£1,037.50

This projection assumes that £1,000 is deposited into the account when it is opened and that no further deposits, withdrawals or interest rate changes during the 12-month period. This projection is provided for illustrative purpose only and does not take into account the individual circumstances of the customer. This projection includes the interest earned in the year that has been credited into the savings account.

Estimated balances are for illustrative purposes only.

How do I open and manage my account?

  • Available to private individual UK residents under the age of 18 years only.
  • A Junior Cash ISA can be opened by the parent/guardian if the child is under the age of 16, otherwise, the child may open the account themselves if they’re aged 16 to 17.
  • The account can be opened in branch or by post.
  • This is a passbook-based account and can be operated in branch or by post at your own expense.
  • Limits apply to cash deposits and withdrawals (see Terms and Conditions).
  • You can save from a minimum of £1 up to a maximum of £450,000.
  • A 14-day cooling-off period applies to this account. This means that if you change your mind, you have 14 calendar days to close the account without notice, charges or loss of interest. Day one begins on the date the account is opened.
  • You can hold a maximum of one individual Junior Cash ISA Issue 1 account with the Society.
  • We accept Cash JISA transfers from other ISA providers.
  • Once the maximum annual JISA subscription (Currently £9,000) is reached, no further subscriptions are permitted.
  • Transfers from an existing Stafford Building Society Junior Cash ISA are permitted.

Can I withdraw money?

  • No withdrawals allowed until the account holders 18th birthday. Upon reaching 18 only the account holder (and no one else) can withdraw the funds.
  • On the account holder’s 18th birthday, the Junior ISA will automatically switch to a Cash ISA. The rules and Terms & Conditions for withdrawing funds will be as per the Cash ISA account.
  • ISA transfers are permitted. Please see Junior ISA terms and conditions for more information.

Additional Information

  • This is not a flexible ISA product.
  • In accordance with ISA regulations, investments in any tax year are limited to the amount permitted by HM Revenue and Customs regardless of the level of withdrawals made.
  • We pay all savings interest gross – no tax is deducted. You are responsible for paying any tax due based on your individual circumstances. Tax rules may change in future.
  • The maximum combined deposit across all accounts with The Stafford Building Society is £450,000 per customer.
  • Your savings are protected up to £120,000 per eligible person with the FSCS compensation scheme.
  • It’s worth noting that any of our accounts can be withdrawn from sale at any time and without notice.

*Tax-Free: Interest paid is exempt from tax.
*AER: The Annual Equivalent Rate shows what the earnings on your savings would be if interest was paid and compounded once each year.
The rates and information are accurate as of 06/2026.