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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.
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Every Stocks and Shares ISA, Junior Stocks and Shares ISA or Impact Investment Account has a linked Cash Account. Cash Accounts are used for:
You may have more than one Cash Account as a separate Cash Account is needed for each investment account you have. For example, you may have one Stocks and Shares ISA Cash Account, a Junior Stocks and Shares ISA Cash Account, a sole Impact Investment Cash Account and a joint Impact Investment Cash Account.
You will see your Cash Account coupled next to the Stocks and Shares ISA, Junior Stocks and Shares ISA or Impact Investment Account it is linked to, in your account ‘Overview’ in the Triodos Mobile Banking App or Internet Banking.
If you are adding money to your Cash Account for the first time, then this will need to be transferred from your nominated bank account. Subsequent payments into your Cash Account (ready to purchase more shares or to cover your Annual Service Charge) can come from any of your accounts. Take care to select the correct Cash Account to transfer money into as you may have more than one Cash Account as described above. You can find your Cash Account bank account number within the Mobile App or Internet Banking.
Once you add money into a Stocks and Shares ISA Cash Account or a Junior Stocks and Shares ISA Cash Account, this will count as an ISA subscription for the current tax year.
Money held in a Stocks and Shares ISA or Impact Investment Cash Account can be transferred out to your nominated bank account, but withdrawals are not permitted from Junior Stocks and Shares ISAs. You may want to keep some money in your Cash Account to cover the Annual Service charge (charged quarterly), to cover regular monthly investments or to have a balance available to purchase more shares on an ad hoc basis. If you do not keep enough money in your Cash Account to cover your Annual Service Charge, we will instruct to sell shares in your investments to cover the required amount. See What are the charges for investing? for more details on the Annual Service Charge.
You may also wish to set up a standing order to make regular payments into your Cash Account, to ensure money is available for your quarterly Annual Service Charge and/or for any regular monthly investments you set up. For more information see How do I add money to my Cash Account?
If you set up a standing order into your account, please ensure the money will be received and cleared in your Cash Account before your monthly investment date, bearing in mind that standing orders will not be processed on a weekend or a bank holiday.
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If you are adding money to your Cash Account for the first time, then this will need to be transferred from your nominated bank account. Subsequent payments into your Cash Account (ready to purchase more shares or to cover your Annual Service Charge) can come from any account in your name. Take care to select the correct Cash Account to transfer money into as you may have more than one Cash Account. For example, you may have one Stocks and Shares ISA Cash Account, a Junior Stocks and Shares ISA Cash Account, a sole Impact Investment Cash Account and a joint Impact Investment Cash Account.
You can find your Cash Account bank account number within the Triodos Mobile Banking App or Internet Banking, use this along with our sort code 16-58-10.
You may wish to set up a standing order to make regular payments into your Cash Account, to ensure money is available for your quarterly Annual Service Charge and/or for any regular monthly investments you set up.
If you set up a standing order into your account, please ensure the money will be received and cleared in your Cash Account before your monthly investment date, bearing in mind that standing orders will not be processed on a weekend or a bank holiday.
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There is an Annual Service Charge paid quarterly by Impact Fund investors and an Ongoing Charges Figure which is deducted from the fund daily and therefore not paid separately.
Annual Service Charge – paid by you quarterly
The Annual Service Charge is tiered, so customers who hold more than £250,000 in either their Triodos Impact Investment Account, Stocks and Shares ISA or Junior Stocks and Shares ISA will pay a lower percentage on the investment balance over this amount.
Holdings in either a Triodos Impact Investment Account or Stocks and Shares ISA
The Annual Service Charge (ASC):
On the first Calendar Day of a new quarter we will check your Cash Account to see if cash is available to cover the Annual Service Charge for the previous quarter. If cash is available, it will be earmarked and deducted on the first weekday of the quarter. If you do not have enough money in your Cash Account to cover an upcoming Annual Service Charge, we will try to contact you beforehand by email or letter to let you know, so that you can pay into your Cash Account if you would like to.
If there is an insufficient cash balance on this day, we will instruct to sell shares in your investments to cover the whole amount (there is no charge to pay your Annual Service Charge in this way). The dealing instruction will be automatically generated to proportionately sell enough shares within your account based on your holding on the first Calendar Day of the new quarter.
There may be occasions where we need to change the date on which we debit the Annual Service Charge (for example, if trading on a Sub-fund closes). If this should happen, we will take the Annual Service Charge within the first seven days of the quarter. If your Annual Service Charge is paid by selling shares, we will make sure you are not disadvantaged if the price per share is different to the price that would have applied at the beginning of the quarter.
For more information, please also see How can I pay for my Annual Service Charge? and How do you decide which shares to sell from my holdings to cover my Annual Service Charge?
Please be aware that the sale of shares to cover the Annual Service Charge is classified as a disposal for Capital Gains Tax purposes and may need to be declared to HMRC (unless they are held in a Stocks and Shares ISA or Junior Stocks and Shares ISA).
The Annual Service Charge will be itemised on your quarterly statement, which provides a breakdown of all charges applied over the previous quarter along with any additional trades during the period.
Ongoing Charges Figure – deducted from the fund daily and not paid separately by you
The Ongoing Charges Figure (OCF):
Please visit the fund pages on our website for details of the current OCF:
Triodos Global Equity Impact Fund
Triodos Future Generations Fund
Triodos Sterling Bond Impact Fund
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The ISA allowance is the maximum amount you can invest across all types of ISAs in any one tax year. You can put your whole allowance into a particular type of ISA or you can split it between the different types of ISAs: Cash, Stocks & Shares, Lifetime and Innovative Finance. The ISA allowance for the 2026/27 tax year is £20,000. For Junior Cash ISAs, the allowance is £9,000.
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It is not possible to change the type of account. However, once you have opened a Triodos Junior Cash ISA, you can move funds from your Good Start Saver or Right Start Saver into it, subject to the Junior ISA allowance of £9,000 for the 2026/27 tax year.
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A key element of our mission and values is to protect and promote human dignity for all. That includes our responsibilities to our own co-workers. We expect all customers, applicants, enquirers, and others to treat our teams with respect at all times. We want to make it clear that we do not tolerate inappropriate behaviour towards our co-workers or while using our services. For example, behaving in a threatening or abusive or offensive or intimidating/harassing manner to our co-workers; or using abusive or offensive language in payment instructions or in any contact with us. If ever our co-workers experience such behaviour, they are authorised to terminate communication via the contact channel being used. Where appropriate, we may also then look to withdraw/restrict/suspend our services; and/or to close the account(s) of the customer involved; and/or to report such incidents to the Police or others.
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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:
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.
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Yes. You can transfer an existing cash ISA to your Triodos cash ISA. If you don't already have a Triodos cash ISA, you will need to open one first. Explore our range of ethical ISAs to find the right one for you, then apply via the Triodos Mobile Banking App.
To request the transfer, you’ll need to download and complete the relevant form below. The forms are interactive so you can fill out your details online, but you’ll need to print the form and sign it using a pen before returning to 'Freepost TRIODOS BANK'. Alternatively, you can submit your signed and completed form via the chat function in the Triodos App.
We’ll transfer your money directly between your ISAs and protect your tax-free ISA status. Do not move your money out of an ISA yourself, because your money will lose this ISA status.
The transfer process usually takes between 14-30 days. We’ll write to you when the transfer is complete.
If you are transferring to a new Fixed Rate ISA, please note that it can take up to 30 days to complete a transfer. We must receive your money from your existing provider within 60 days of the Fixed Rate ISA account opening date, so please make sure you start the transfer process as soon as possible.
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When you pay funds into your Account, your funds will start earning interest from the day the funds are paid into your Account.
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When the child is under 16 only the Legal Representative on the Junior Cash ISA account can operate it. This is the person with parental responsibility for the child who opened the account.
From the age of 16 a child can choose to remove the Legal Representative from the account, or open a Junior Cash ISA themselves, and then they operate the account themselves.
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The Financial Services Compensation Scheme (FSCS) is a UK body which gives you automatic protection up to £120,000 if your bank, building society, or credit union goes out of business.
Your eligible deposits with Triodos Bank UK are protected up to a total of £120,000 by the FSCS. An eligible deposit is money in accounts such as current and savings accounts, including cash ISAs. With Triodos, this will also cover cash held in investment accounts but not the investments themselves.
Please note that the £120,000 will apply to the total of all eligible deposits with Triodos Bank rather than per account or product. Any deposits over this amount are unlikely to be covered.
For more information, please visit the Triodos FSCS webpage.
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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.
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Yes. As long as the child was a UK resident when the Triodos Junior cash ISA was opened, you will still be able to pay into it even though you and/or the child have moved abroad.
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When the child turns 18 the account will automatically convert to an adult variable rate cash ISA in the child's name only. After this date, the child can choose whether to access the money or continue saving. We will send reminders nearer the time.
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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.
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As you'd expect from a bank, we take security very seriously - here are some things we do to keep you safe. To help you spot fraud, we’d also like you to know the things we’d never do.
What we do
What we’ll never do
We will never contact you out of the blue to ask you:
If in doubt, call us on the number on our website, or delete the email without opening it.
Learn more about how to stay safe online or visit Report Fraud.
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Yes, you can split your ISA allowance into different types of ISA: Cash, Stocks & Shares, Lifetime, and Innovative Finance.
Since 6 April 2024, you have been able to subscribe to more than one Cash, Stocks & Shares or Innovative Finance ISA in the same tax year. However, it is still only possible to have one Lifetime ISA. Please note that Triodos does not offer Lifetime ISAs.
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Yes.
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You can save any amount between £500 and £1,000,000.
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We'll write to you one month before your bond matures, asking you where you’d like your funds to go. If you have internet banking you will be able to make your choice online and can decide to either reinvest or transfer your matured funds to another account.
If we don’t hear from you before your bond matures, we’ll open a variable rate savings account on your behalf and write to let you know. There will always be opportunities for you to reinvest your money with Triodos, and we hope you choose to do so.
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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;
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.
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Yes, you can transfer other cash ISAs into a Triodos Fixed Rate Cash ISA. You can transfer previous and current years subscriptions held in another cash ISA. Transfers must be complete and your money received into your Triodos Fixed Rate Cash ISA within 60 days from account opening.
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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.
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After the first 30 days, you cannot withdraw your funds or close the account. The account can only be closed before the end of the term on death of a sole depositor, or in certain exceptional circumstances at our discretion. Where the bond is held in joint names, on the death of one account holder we will require a new mandate and transfer the bond into the name of the remaining account holder.
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