Our Junior ISA at a glance...

Who can open a OneFamily Junior ISA?
The child’s parent or legal guardian (the child must be under 16)
How much can I pay in?
As little as £10 a month, up to £9,000 a year
When will the child get the money?
When they turn 18
How can I pay in and view the Junior ISA?
With your free, easy-to-use online account

What are junior ISAs?

Junior ISA (JISAs) are savings or investment accounts for children.

Anyone can pay money in, and the child will be able to access it when they turn 18 without paying tax on any money they withdraw.

OneFamily’s Junior ISA is a stocks and shares JISA. That means the money that you pay in goes into a fund that’s invested in the stock market. As the money is invested, it has good potential to outgrow inflation, but the value is likely to go up and down over time. If the child withdraws money when the value is low, they could get back less than has been paid in.

That’s why at OneFamily, we give you a simple choice of two funds: one for more cautious investors and one for those who are comfortable taking more risk.

Our minimum investment is just £10 a month by direct debit or a lump sum starting from £100.

Family sitting together in a green field blowing bubbles and having fun.

Already got a junior ISA in your name? Find out what happens when you turn 18

Win a Christmas to remember!

Take out a OneFamily Junior ISA by 14 November 2024 and we’ll enter you into our Christmas prize draw to win a £500 John Lewis e-gift card! Plus there are £100 John Lewis e-gift cards available for five lucky runners up.*

Find out about our Christmas competition

*T&Cs apply

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How much could you help your child save?

Decide how much you want to open your Junior ISA with and how much you’d like to pay in each month. Our simple calculator will quickly give you an idea of how your child’s money could grow.

The projection shows how your child's Junior ISA could grow with low, medium and high performance. Remember, projections are not guarantee of future performance and your child could get back less than you pay in.

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Lower performance

Amount your child could receive at age 18

Projected value

Higher performance

Please note: No more than £9,000 may be invested into a Junior ISA within a single tax year. This includes your initial investment and your monthly direct debit payments.

You have a choice of two funds

As our Junior ISA invests in stocks and shares, its value can go down as well as up meaning your child could get less than was paid in.

When you open your OneFamily Junior ISA, you’ll be asked to choose which of these two funds you'd like to invest in:

Ready to get started?

Open a Junior ISA

Helping you invest more for your child’s future

Anyone can pay into a Junior ISA. Family and friends can help you invest more for your child's future, while you keep an eye on the funds with an easy-to-use online account.

Open a Junior ISA online
Get started today - It’s quick and easy

Manage your account
You can access your account online, 24/7

Help grow your child’s savings
Anyone can pay into a Junior ISA

Access on your child’s 18th Birthday
A tax-free cash gift when they turn 18

Why invest with OneFamily?

We’re owned by our members for our members, which means we don’t have shareholders to pay – so we can reinvest our profits for good.

Putting our members first and improving the financial wellbeing of those who need it most is firmly built into our values. We have nearly 1.6 million customers* and 49 years’ experience of providing accessible, affordable products to help people make the most of their money. And don’t just take our word for it - our customers rate us highly, with an overall satisfaction score of 93% in 2023.**

Our Inspiring Better Futures vision is driven by doing the right thing for our customers, colleagues and communities. We awarded 111 young people with education grants to help with the cost of further education and training in 2023, as well as supporting our communities through volunteering and our charity partnerships.

*As at 12 May 2024.
**Source: Bright survey, 2023.

Transfer a junior ISA or child trust fund to OneFamily

We don’t charge you to transfer an existing junior ISA or child trust fund.

Simply let us know that you’d like to transfer an existing account to us and we’ll speak to your current provider and do the rest.

Find out more about transferring and download transfer form

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Learn about junior ISAs

Find out everything you need to know about junior ISAs with our in-depth junior ISA articles and our frequently asked questions.

What is a junior ISA?

A junior ISA is a tax-free savings account set up by a parent or legal guardian on behalf of a child. The child can access the money when they turn 18.

What happens when the child turns 18?

When your child turns 18, their junior ISA will “mature”, meaning they'll be able to what they like with the money.

Are there any Junior ISA charges?

Investing sometimes comes with charges and management fees, but we're always up-front about what we charge. Learn about our Junior ISA charges and fees.

Junior ISA calculator

Use our simple Junior ISA calculator to quickly give you an idea of how your child's money could grow.

See what our customers are saying....

Start saving today – open or transfer to our Junior ISA online

If you want to open a OneFamily Junior ISA by phone, call 0800 028 1112*

*We'll be here from 9am to 7pm Monday to Friday and 9am to 1pm Saturday. 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.