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Halifax: Junior ISA reviews

Name: Junior ISA
Rating: 3.41 (17 reviews)

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3.24

Based on 17 reviews, last reviewed 22nd Apr 2025

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

36%

29%

2 star

29%

Latest highest rating:

4

A good way to save birthday/Christmas money. A good way to save birthday/Christmas money. A bit of a faff to set up Reviewed on: 22nd April 2025

Latest lowest rating:

1

child scammers should receive capital punishment child scammers should receive capital punishment. Reviewed on: 19th June 2023

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About this product

Halifax offer a Junior Cash ISA for children aged under 18.

The interest rate on this account is variable and the money is locked away until they are 18. The account can be opened with just £1 and once a child reaches the age of 16, they can open an account themselves.

Halifax Junior Cash ISA reviews help you find out what it’s really like to be a customer. If you’ve used Halifax before, you can also leave a review and share your experience.

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Halifax Junior ISA reviews (17)

A good way to save birthday/Christmas money.

A good way to save birthday/Christmas money. A bit of a faff to set up Reviewed on: 22nd April 2025

The Halifax Junior ISA is great

The Halifax Junior ISA is great and we find it simple and straightforward to use. We were disappointed that the interest rate has gone down this year, but Halifax's communication to inform us of this decision was transparent Reviewed on: 26th February 2025

child scammers should receive capital punishment

child scammers should receive capital punishment. Reviewed on: 19th June 2023

Terrible Junior ISA Rates

Currently have a Halifax Junior Cash ISA, as an investment for my children's future. When I initially invested in the cash ISA a rate of 6% was offered to encourage child savings at a time the BoE rate was 0.5%, this is on the provision that the funss cannot be withdrawn until the child turns 18. Over the years Halifax has dropped the rate offered on the ISA until the rate was below the BoE interest rate of 0.1%. In 2023 the BoE Interest rates have now risen to 4.25% yet Halifax only gives 2.75% on the Junior Cash ISA. The funds are effective lock in the child's account until the child turns 18, during this time Halifax are profiting from the children's funds by offering a rate significantly below BoE. The Junior ISA initially set up to help save for children is now a cash cow for the banks. Unfortunately Halifax is not the only mainstream bank providing the disservice however they are the bank I have been since I myself was a child. I will be exercising my right to transfer my children's funds to a Junior ISA with another bank with an interest rate much closer to BoEs interest rate, in the new tax year. Reviewed on: 4th April 2023

Absolutely terrible in handling my daughters child isa

I've just spent 2 hrs on the phone from Spain to "Customers Service" and after going through a Formal complaint and ombudsman they now want me to write another letter to confirm my 12 yr old daughter lives with us in Spain despite a previous letter stating we as a family moved here in December 2020 (on yes they do not have email so I can scan and email with proof if rqd)Since we opened the account they have got my daughters name wrong (she has double surname as spanish tradition)and even their complaint manager confirmed in a letter her true surname but got it wrong on the address at the head of letter !)I also have a change of address letter and the letter replying to my formal complaint on her account addressed to my spanish permanent address.They didn't acknowledge the receipt of letters incl the formal complaint, their online forms do not accept non uk post code and the list goes on.The refusal to transfer the account to AJ BELL (junior isa) reveals they have the old address on her account but rather than raise the matter in their investigation into the "missing "junior isa account they refuse transfer and I receive an email from AJBELL (who are themselves raising issues with Halifax )Never in my professional life or personal life have a encountered such incompetence and they need to have a radical review ie customer orientated service Reviewed on: 7th March 2023

Can get better rates elsewhere

Easy to open and use, however you can get better interest rates else where Reviewed on: 3rd April 2022

Its amazing

Well the product wasn't the Junior ISA but the kids debit card since it is not on there I chose the closest one but it's amazing it like a normal card for kids and my 11-year-old now feels grown and responsible now this card has given her a confidence boost Reviewed on: 9th March 2022

Easy to use

My son has a Junior ISA and we’ve been impressed by the interest rate and also the ease to set up. The only issue was that we had two versions of the same account set up which made it confusing but was sorted promptly when we realised Reviewed on: 31st January 2022

Halifax is underrated

In my opinion I think everyone should use Halifax all their debit cards are good and make my life easier Reviewed on: 5th January 2022

Average

Fine product. Halifax are reliable and customer service is good. Rates pretty poor Reviewed on: 10th July 2020

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