Junior Cash ISA

A tax-free savings account for young people. Save tax-free and build up a valuable nest egg to give your child a head start in life.

Our Junior Cash ISA Account allows you and your family and friends to save tax-free on behalf of a child. This account can be opened on behalf of a child up to the age of 16 by a person with parental responsibility for the child.  

Only the child can make withdrawals from the account and not until they are 18.

So if you want to save tax-free on behalf of a child, read on for the full terms and conditions of our Junior Cash ISA.

To understand the full terms and conditions please read the summary box.

Account name
Junior Cash ISA
Minimum amount to open the account
Investment conditions

Minimum £1. Maximum up to the current annual Junior Cash ISA subscription limit in each tax year. All funds invested in the account belong to the child.

Withdrawal conditions

Withdrawals are not allowed until the child reaches 18.

Interest payment

We work out interest every day and add it to the account on 31 December.

We pay interest before tax is taken off it as long as you keep to Junior Cash ISA regulations and conditions.


According to Junior Cash ISA regulations. Accounts can only be opened on behalf of a child up to the age of 16.


The Financial Conduct Authority is the independent financial services regulator. It says that we, Darlington Building Society, must give you this information to help you decide whether our cash ISA is right for you. You should read this document carefully so that you understand what you are buying, and then keep it safe to refer to in the future.

Current interest rates

Amount Gross * Gross AER #
£1+ 2.60% 2.60%

This summary box will help you understand the account's Terms and Conditions.

Summary Box Start an application
Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a building society is unable to meet its financial obligations. Most depositors – including most individuals and small businesses – are covered by the scheme.

Please make sure that you have read and fully understand the summary box before you decide to open this account.

If you need any further information please telephone 01325 366366, email savings@darlington.co.uk or contact your local branch.

You should also read our general terms and conditions which you can download to the left of this page and which also form part of the terms and conditions of this account.

We are part of the Financial Services Compensation Scheme.

* - The gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law. Due to changes to the Personal Savings Allowance, from the 6 April 2016 all interest is paid gross. This is based on the current law and treatment of tax by HMRC which may be subject to change.

# - A.E.R. stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added once each year.