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Junior ISA

Our Junior ISA is a great way to invest for your child's future – it can help give them a financial head start in life.

Whether it helps them to pay for driving lessons, their university education or perhaps a deposit on their first home, one thing’s for sure, they’ll be glad of your help. Open a Junior ISA to save for when they’re grown up.

Up to £30 Vouchers

Apply online and set up a Direct Debit and we’ll send you either £10 or £30 Amazon or Boots vouchers. See terms and conditions »

What is a Junior ISA?

A Junior ISA is an account which allows a parent or guardian to save and invest for a child's future, and is open to contributions from family and friends. You can open our Junior ISA for your child if they are under the age of 16 and eligible for a Junior ISA. Or if your child has a Child Trust Fund, it could be transferred to our Junior ISA.

Our Junior ISA invests in stocks and shares, so its value can go down as well as up over the lifetime of the plan. This is normal for investments in stocks and shares, but it does mean that there's a risk of the child getting back less than has been paid in.

How does it work?

You can currently invest from £10 a month up to £4,080 a year on behalf of a child. £4,080 is the maximum amount that can be paid in to a Junior ISA this tax year and includes any amounts being paid into a cash Junior ISA elsewhere.

From age 16 the child can manage the Junior ISA themselves. Only the child can access the money and only from their 18th birthday.

Good potential for growth

Our Junior ISA invests in stocks and shares as we believe this is the best way to grow your investment – generally, over every 18-year period during the last 30 years, stocks and shares have outperformed cash/building society accounts (where your capital is protected)*. Of course, past performance is no guarantee of future performance.

*Source: Barclays equity gilt study February 2014. Average annual real rate of return based on Barclays indices.

Anyone can pay in

While a parent or guardian manages the Junior ISA on behalf of the child (until age 16), family and friends can contribute as well, either on a regular basis or a one-off payment as a gift to the child.

One thing to remember is that the combined payments for all Junior ISAs held by the child, for example a cash Junior ISA with another provider, cannot go over £4,080 a year.

Why choose our Junior ISA

Affordable and flexible – invest whatever you can afford, from £10 to £340 a month. You have the flexibility to increase, decrease or restart payments whenever you want.

Easy to manage – 24/7 online account management and a friendly UK call centre makes managing your child's Junior ISA simple and convenient.

Tax-efficient – proceeds are free of income and capital gains tax, but remember the tax treatment of Junior ISAs depends on individual circumstances and may change in the future.

The Junior ISA explained

Use our Junior ISA calculator*

Final amount you would like your child to receive at age 18


Years until the child's 18th birthday

18 Years
  • Consider paying in :
  • £10
  • per month, throughout the selected term


*Important note

These figures are not guaranteed.

The figure shown assumes growth at 5% per year over the full term you have selected, with annual charges of 1.5% plus other annual expenses of approximately 0.2% (calculations are not exact).

This projection is only an example, not a reliable indicator of future performance. The child could get back more or less than this. Over time the cost of living will generally rise, which means the child will not be able to buy as much in the future with the amounts shown.

Why choose Family Investments?

Trusted – we provide Junior ISAs for both Bounty and the Post Office. The Post Office has also trusted us to look after their ISAs.

Experienced – we’ve been around for over 40 years and look after funds worth £5.9 billion for 2 million customers.

Working for you – many people have lost trust in financial institutions, but we're different. As a mutual, we're run for the benefit of our customers, not the benefit of shareholders.

Award-winning – praised for the ‘simplicity and clarity’ of our product, we are two times winners of the Moneyfacts award for Best Junior ISA Provider, in 2012 and 2014, and before that we won Best Child Trust Fund Provider in 2010 and 2011.

Moneyfacts award logos

Questions and Answers About Our Junior ISA

  • Who can open a Junior ISA?

    • Anyone with parental responsibility for a child can open a Junior ISA.

  • Who is eligible for a Junior ISA?

    • To be eligible for a Junior ISA, your child must:

      • Be resident in the UK
      • Be under the age of 18
      • Not have been eligible for a Child Trust Fund

      If your child already has a Child Trust Fund, it can be transferred to open a Junior ISA. Your child will have been eligible for a Child Trust Fund if they were born between September 2002 and 3rd January 2011.

      Our Junior ISA is only available for children under the age of 16.

  • Can I open both a cash and stocks and shares Junior ISA?

    • Yes, you can open both a cash and stocks and shares Junior ISA, but you should be aware that their combined annual limit cannot go over the £4,080 threshold. This means you can either:

      • Put the full amount into either a cash account or stocks and shares account; or
      • put some in a cash account and some in a stocks and shares account (e.g. £2,080 in stocks and shares and £2,000 in cash).
  • Can I access the money paid into a Junior ISA?

    • No, the account is set up for the child. Only they can access the money, and only after they turn 18.

  • What happens when my child reaches age 18?

    • When your child reaches age 18, their Junior ISA will become an adult ISA, so they can keep saving if they wish.

  • Do I have to take out a new Junior ISA, with a new provider, each tax year?

    • No, your Junior ISA can remain with a single provider throughout the lifetime of the account. You may also transfer the funds to another provider at any time.

  • Can I transfer my child's Junior ISA between providers?

  • My child already has a Child Trust Fund. Can I also open a Junior ISA in their name?

    • No. Your child cannot have both a Child Trust Fund and a Junior ISA. However, if your child already has a Child Trust Fund, you can transfer the account to open the Junior ISA.

      To transfer a Child Trust Fund, you must be the Registered Contact on the account. Before making a decision to transfer, you should check if the current Child Trust Fund provider will charge a fee.

  • Can I transfer from a Child Trust Fund to a Junior ISA?

    • Yes, you can transfer a Child Trust Fund to open a Junior ISA, provided you're the Registered Contact on the Child Trust Fund account. As an award-winning provider of both products we welcome the opportunity for parents to make the choice.

      Before making a decision to transfer, you should check if the current Child Trust Fund provider will charge a fee.


Next steps

It's quick and easy to set up a Junior ISA. Once you've read and understood the information on this page, including the Important Information booklets and, for our ethical Junior ISA, the Key Investor Information document, and you're happy the Junior ISA is the right choice for you, you can apply online in less than 10 minutes.

Apply Online

Or, if you're not quite ready to apply yet, you can request an application pack.

Request a Pack

You can also apply over the phone by calling our Customer Service Team on 0800 616 695. Open 9am-7pm Monday to Friday, 9am-noon Saturday. Telephone calls may be recorded and monitored for training purposes.

Please read all the product info and remember your child's capital is at risk.