Junior Bond

For anyone wanting to save on behalf of a child... Junior Bond: tax-exempt children's savings from as little as £15 a month.

The Junior Bond is a long term tax-exempt savings plan that allows anyone to save for a child's future from as little as £15 a month. Save regularly to your child's 18th, 21st or 25th birthday and they could receive a worthwhile lump sum of money to help top-up their finances (you must save for a minimum of 10 years).

Invested mostly in stocks and shares, the Junior Bond aims to outperform a bank or building society deposit account. Although investment values can fall as well as rise (meaning your child could get back less than was paid in) whereas bank and building society deposit accounts are capital protected, and offer easier accessibility. However, the Junior Bond takes advantage of the special tax privileges available only to friendly society funds (please note that tax legislation is subject to change).

You can also save using our Ethical Junior Bond, which will avoid investing the money in companies who, for example, supply ozone depleting chemicals or trade in alcohol or tobacco.

Use the links below to find out more about the Junior Bond, or to request an information pack or buy online.

More information about the Junior Bond
Request an information pack
Apply online
Download an application form

Or call our Customer Service Team on 0800 731 7433. Open 9am-5.30pm weekdays and 9am-12 noon Saturdays (calls may be monitored or recorded for training purposes).