Can two adults operate a Good Start Saver for a child?
Yes, once the account has been opened by someone with parental responsibility for the child, known as the Legal Representative, it is possible to add a second Legal Representative to it.
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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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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.
Downloads
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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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When the child turns 18 the account will automatically convert to an adult variable rate savings account in the child’s name only. The child can then choose whether to access the money or continue saving. We will send reminders nearer the time.
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No. Good Start Saver accounts can only be opened by a person with parental responsibility for the child. They must be aged 16 or over and a UK resident. This person will be the Legal Representative on the account and the child will be the Account Holder.
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No. Good Start Saver accounts can only be managed by the Legal Representative on the account. This will be the person with parental responsibility for the child who opened the account. Only they can give us instructions to manage the account, and we will contact them about the account.
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Yes, you can change a Legal Representative on a Good Start Saver account by contacting us to complete a change of Legal Representative. Only one adult is able to operate the account at a time.
To make this change, please send us a chat message in the Triodos Mobile Banking App by going to 'More' then 'Help', or by logging into Internet Banking. You can also call us on 0330 3550 355, or +44 (0) 117 973 9339 if you are calling from abroad.
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The first payment into a Good Start Saver must be transferred from the nominated bank account linked to the Good Start Saver account. After this payments can be made from any account and can come from anyone - grandparents, friends and wider family. The Triodos Bank sort code is 16-58-10 and you can find your Good Start Saver account number by logging in to your account online or via the Triodos Mobile Banking App, or by checking your bank statements.
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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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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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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.
Junior ISA- Transfers of current year’s subscriptions or transfers between the same type of Junior ISA must always be done in full.
- Partial transfers can only be done if they are previous years’ subscriptions and you are moving the subscriptions between different Junior ISA types e.g. Junior cash to Junior stocks and shares or Junior stocks and shares to Junior cash.
- The whole of the Child Trust Fund must be transferred and the Child Trust Fund subsequently closed.
- The annual subscription allowance for a Child Trust Fund is based on the child’s birth year while Junior ISA subscriptions are based on tax years. When a transfer of a Child Trust Fund to a Junior ISA has been made, the child can use the full Junior ISA subscription allowance for the tax year in which the transfer takes place regardless of any subscriptions made to the Child Trust Fund in that year. This only occurs in the tax year in which the Child Trust Fund is transferred. In subsequent years only the Junior ISA allowance can be used.
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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
- Provide around the clock debit card transaction monitoring.
- Provide 24/7 phone support to answer your questions about your debit card.
- Give you the ability to block your card in the Triodos App or Internet Banking.
- Temporarily block accounts and debit cards if fraudulent activity is suspected.
- Automatically log you out of Internet Banking and the app after a period of inactivity.
- Keep you up to date with fraud protection advice.
- Send text alerts when online or card transactions are made.
- Temporarily suspend your Internet Banking if left dormant for a long time.
- Monitor payments to assess whether the payment you are making is likely to have been made as part of a scam.
What we’ll never do
We will never contact you out of the blue to ask you:
- For your mobile app passcode.
- For your digipass PIN.
- For your card number or PIN.
- To transfer money out of your account.
- To click a link in an email to our Internet Banking.
- To download any software onto your PC or mobile phone.
- To authorise or cancel card payments through the app, or approve “refunds”.
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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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:
- Triodos Saver
- Triodos Cash ISA
- Triodos Regular Saver
- Triodos Fixed Regular Saver
- Triodos Charity Saver
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.
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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 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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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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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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Related how-to guides
How to transfer an existing Junior ISA to a Triodos Junior Stocks and Shares ISA
How to transfer an ISA to a Triodos cash ISA
How to transfer an existing Junior ISA or Child Trust Fund to a Triodos Junior Cash ISA
Change the type of cash ISA held with Triodos Bank
How to transfer an existing ISA to a Triodos Stocks & Shares ISA
How to update your account and personal details
Related downloads
- Financial Services Compensation Scheme (FSCS) information sheet126 KB, PDF
- Privacy Statement≈ 1 MB
- Triodos mobile app terms and conditions≈ 1 MB
- Interest rates for personal accounts - including discontinued accounts115 KB, PDF
- Terms and Conditions for our personal savings accounts244 KB, PDF
- Triodos Good Start Saver Summary Box56 KB, PDF
- Personal banking tariff for current and savings accounts≈ 1 MB
- Savings factsheet85 KB, PDF
- Transfer between existing Triodos ISAs ≈ 1 MB
- Triodos Two Year Fixed Rate Cash ISA Key Features94 KB, PDF
- Cash ISA account type change request form109 KB, PDF
- Transfer an ISA from another provider to a Triodos cash ISA≈ 1 MB
- Transfer to the Triodos Junior ISA from another provider≈ 1 MB
- Personal Savings: Change of account type request form≈ 1 MB
- How FSCS protects your money - A guide to the Financial Services Compensation Scheme737 KB, PDF
- Ethical Savings Bond Summary Box136 KB, PDF
- Junior Cash ISA key features73 KB, PDF
- Internet banking form for joint investors≈ 1 MB
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