Our ISA products are not fixed, so you can withdraw your money from an ISA at any time. If you have a direct debit with us, you may need to allow up to 10 days after any direct debits are collected before being able to withdraw your money. For a Junior ISA, the money belongs to the child and can only be accessed by them at age 18. It can however, be transferred to another provider at any time. Either of these products may be subject to a £50 exit fee within the first 5 years.