Open a Junior Bond for any child aged 15 or younger, even if you're not related

Decide how old the child needs to be before they can access

Choose to invest either monthly or yearly, from as little as £15 a month

Open a Junior Bond without affecting the child's junior ISA or child trust fund allowance limit

Help a child create the future they want

With our Junior Bond, you choose how long you'd like to invest for – anywhere between 10 and 25 years – so it's up to you how old the child needs to be before they can access it.

You could make it an 18th birthday present or you might decide you'd prefer them to be a bit older before they get their hands on the money.

As you don't have to be the child's parent to open a Junior Bond for them, it's a great way for other relatives to put some money aside as a gift.

You can make payments work within your budget by choosing to pay between £15 and £25 a month or between £165 and £270 a year.

Member Benefits

By taking out our Junior Bond you will get access to discounts on groceries, shopping, cinema, days out and much more

What you need to know about Junior Bonds

Our Junior Bond is a child's Tax Exempt Savings Plan (TESP). It's a simple way of regularly investing small amounts of money over the long term on behalf of a child. Unlike junior ISAs, you decide the age the child needs to be when they access it.

You can choose to invest either

  • monthly, with payments from £15 to £25
  • yearly, with payments from £165 to £270.

As long as you keep up payments and keep the money invested for at least 10 years, there won’t be any tax to pay on the proceeds.

Our Junior Bond invests in stocks and shares, which gives it good potential to grow more than cash over the long-term. When you invest there is a risk that the value of your investment can go down as well as up.

An initial set up charge of £60 will be taken from the first year's payments. We also apply an annual management charge of 1.5% of the fund value. For more information, please see the important information document.


Why invest in a OneFamily Junior Bond? 

  • We make a difference
    We awarded over £52K to 210 young people through our Young Person’s Education Grants in 2022, helping them to invest in a better future
  • Great customer service
    Our customers have rated us highly, with an overall score of 93% for customer service experience*
  • Experienced and trusted
    We've over 45 years’ experience of being a trusted provider of financial products for children and adults, looking after over £5.5 billion for nearly 2 million customers**
  • OneFamily Membership
    By taking out a Junior Bond policy with us you'll become a member of OneFamily. This will give you access to a range of member benefits, including discounts on shopping, days out, electronics and much more ***

*Source: Bright survey, January 2023

**As at December 2022

*** New Junior Bond policy holders will receive an email inviting them to register for their
member benefits after their 30 day cancellation period is complete.

How to open a Junior Bond

  • 1

    Choose a fund

    Read about the two funds below and choose the one that suits your approach to risk

  • 2

    Decide when the money will become available

    Choose a fixed-term that's anywhere between 10 and 25 years

  • 3

    Apply online

    Click 'Select and apply' to complete the simple application form

  • 4

    Create opportunities

    At the end of the fixed term, the child you opened the bond for will be able to choose how they use the money

Two simple fund options

  • Our two investment options offer different risk profiles. The fund option with a smaller proportion of equities (Family Sovereign Fund) carries less risk, but has less potential for growth over the long-term.
  • Both funds invest in stocks and shares which means there's good potential for your money to grow over the long-term but, as with all investing, there is a risk its value could go down and you could get back less than you've paid in.
  • An initial set up charge of £60 will be taken from the first year's payments. We also apply an annual management charge of 1.5% of the fund value. For more information, please see the important information document.

Other ways to apply for a Junior Bond

If you'd like more info request our pack here

You can also apply over the phone. Call us on: 01273 062555*

*Our Customer Call Centre is UK based and open from 9am-5:30pm weekdays. Calls may be recorded and monitored for training purposes. Call charges apply. These are dependent on your provider’s tariff and are likely to be more from mobile phones. For more information, please contact your provider. With business mobiles the cost will depend on your phone provider. If you’d like to know more, please ask your provider.

Young girl putting a coin in glass jar filled with money next to a stack of coins

Our guides to saving on behalf of children

Get all the information you need to feel fully informed when investing in your child’s future.

Children's savings guide

Our comprehensive guide covers the main ways you can save for your child's future, how each option works and what you need to know.

Read guide

Should children get pocket money?

Don't just meet your child's financial demands – teach them financial responsibility by having them manage their own budget.

Read guide

How to make a financial plan for your family

Every parent wants the best for their kids. If you want to make their dreams a reality it's time for a financial plan.

Read guide

How to educate your children on the cost-of-living

We all want our kids to be ready to deal with the costs of flying the nest. The question is, how can we help prepare them?

Read guide

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