Can a child have 2 junior isas.

[JustBecauseItWorkedForYou]

Have an appointment to open ds a junior isa with lloyds . However his dad has just told me he has one already with santander.
Can he have 2 or do I need to open something else..

I think if they are at separate banks it would be fine.

No. One per tax year.

So you can open one a year?

I didn't realise dd's child trust fund from 2009 had become (or always was) an ISA. I opened her a junior ISA last year and only pay in £10 per month at the moment. Nothing is going in the CTF apart from the original opening balance from 2009. I will get round to merging them but I don't know if I'll be in trouble??

You can have one junior cash ISA, and one investments junior ISA.
You cannot hold more than one of each type.

OK thanks.

Re trust fund. I was told they had to be merged to open the account?

The one with his dad is about 7 yrs old.