Important points to remember
Any payment made into a Junior ISA or Child Trust Fund is a gift to the child. Only the child can access the money and only at age 18.
The value of stocks and shares accounts can fall as well as rise, meaning the child could get back less than was paid in. Cash accounts cannot lose their value, but the effects of inflation mean the child will not be able to buy as much in the future with the final amount as they could today.