Providers that can offer both cash and S&S ISAs?

[Enfield77]

Hi all.

I'm like your thoughts on the following please.

I'd like to open ISAs for our one year old three year old. My wife and I have both used up our 2025/26 allowance so can't save any more within these accounts for them but want them to have their own accounts anyway.

There are currently three options as I see it.
Cash ISA (100%)
Stocks and shares ISA (100%)
Put some in a cash ISA with one provider (50%) and put some in a S&S ISA (50%) with another provider.

I'm struggling to find any child ISA providers that can offer both? Any suggestions of a provider that can offer both please?

Thanks!

Just a warning.

Your children will have automatic access at 18. Lots of money at that age could be very destabilising. It can be a difficult age.

Hargreaves Lansdown offer both.

Check the charges as they have just reduced their costs.

If you are investing for young children it will be for a decent term. Unlikely access will be required in the short-term. I would avoid cash as the returns are likely to be significantly better over the long term with a stockmarket based investment.

Why do you want a cash isa for them when they have such a long investing timeframe? A stocks and shares isa may be more appropriate

As far as I'm aware, Hargreaves Lansdown don't offer a Junior Cash ISA (though it's not obvious on their website at first glance).

They do pay interest on uninvested cash within their Junior S&S ISA, but the rate seems exceptionally low at 1%.