When your child turns 18, their Junior cash ISA turns into an adult cash ISA (called a Matured Junior ISA). From 18, your child can access their savings; all they'll need is to provide some identification to allow us to approve their access.

Before your child's 18th birthday, we'll send information about the specific terms of their new account so they know how to pay in and take money out.

The Junior cash ISA (including all money invested) belongs to the child. However, if they're under 16, an adult with parental responsibility (known as the 'registered contact') must open the account on their behalf and manage it until they turn 16. The registered contact will also receive any updates and correspondence about the child's account.

If your child has a Junior cash ISA, they can't access their savings or close the account until they turn 18. But if they want to, they can move all their savings to another Junior cash ISA provider.

One thing to remember is that you can only hold one Junior cash ISA at a time, so you would need to transfer any Junior cash ISA funds in full.

Yes, up until the age of 18. On the child's 18th birthday we will convert the account to an adult cash ISA. 

Child Trust Funds were a long-term tax-free savings account opened by the government for children born between
September 2002 and January 2011.

You cannot have a Junior ISA as well as a Child Trust Fund. If you want to open a Junior ISA you’ll need to ask the provider to transfer the trust fund into it.

Remember, you can only hold one Junior cash ISA or Child Trust Fund at a time, so you would need to transfer the full balance of a Child Trust Fund to a Junior cash ISA.