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Junior Cash ISA
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Junior Cash ISA

Benefit from a 4.75% Gross¹/AER² variable interest rate.


Our Junior Cash ISA allows savings up to £9,000 per tax year, earning tax-free interest with no withdrawals until they reach the age of 18. Whatever their dreams for the future, the Junior Cash ISA is a great way to save.

From the start of the tax year, which begins on 6 April, they are able to utilise the Junior Cash ISA tax allowance for that year. Further details of the Junior Cash ISA tax allowance applicable at the current time can be found at

Summary Box - Key Product Information

What is the interest rate?

Annual interest
£1+ 4.75% Gross¹/AER²
Interest is calculated daily and paid annually on 1 January each year.

Can Leek Building Society change the interest rates?

The interest rate on this account is variable.

Leek Building Society has the right to change interest rates in certain circumstances. Please see the Society's Statement of Practice Investors leaflet which provides further information on these circumstances.

What would the estimated balance be after 12 months based on a £1,000 deposit?

Based on a deposit of £1,000 the estimated balance after 12 months is £1,047.50. This projection assumes that the amount of £1,000 is deposited in the account at the time it is opened and that no further deposits or withdrawals are made for the full interest period.

This projection is provided for illustration purposes only.

How do I open my account?

The account can be opened in person at one of our branches or by post.

The account must be opened with a minimum deposit of at least £10.

Available to UK residents only.

Can I withdraw money?

Withdrawals and closure are not allowed until the named child reaches 18 or in the case of terminal illness or death.

Withdrawals will not be allowed without the passbook.

Additional information

Open to all UK residents up to the age of 18 years.

Transfers from Child Trust Funds accepted.

The above rates are applicable from 1 October 2023.

¹ Gross rate of interest is the interest rate payable before any income tax is deducted (if you do pay tax).

² AER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year.

In some circumstances, customers will be required to pay tax on interest earned. Please contact HM Revenue & Customs for further information or view their website.

The tax information provided is based on our understanding of current law and HM Revenue & Customs practice, both of which may change.

Transferring your Junior ISA or Child Trust Fund

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Transferring your child's existing Junior Cash ISA or Child Trust Fund to a Leek Building Society Junior Cash ISA is easy.

Remember, don’t withdraw from an ISA or a Child Trust Fund in order to transfer to another provider as you will lose the tax-free benefits. Instead, Leek Building Society offer a transfer service to do this for you. It is always a good idea to check with your current provider whether any charges apply for transferring your ISA to another provider.

Click on the links below to find out how you can book an appointment with your local branch or apply by post today.

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Apply in Branch

In Branch

Find out more

To apply for this account in branch, get in touch and book an appointment with us.

We may ask you to provide ID to confirm your name and address. To assist you, we try to verify this electronically. If we are unable to, we would require your paper documentation instead. For a full list of what documents are acceptable, please read our Proving your identity leaflet by clicking here.

You will also need to bring a cheque or cash for at least the minimum investment to open the account.

As you've chosen to open an ISA account, we will also require your National Insurance Number.


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To open this account by post, please follow these simple steps:

For your own benefit and protection, please read all the account terms and conditions carefully, then download and print the below application form:

>JISA application form

If you're transferring your Junior ISA or Child Trust Fund to us, you'll also need to complete and post the relevant transfer form:

>JISA Transfer Form
>Child Trust Fund Transfer Form



Please read the important information below before you open your account:

>FSCS Sheet
>Statement of Practice Investors

>Savings Fees and Charges



Complete your savings application form and post it, along with your cheque deposit (made payable to the account holder) to:

Savings Department, 50 St. Edward Street, Leek Staffordshire, ST13 5DL