Our Junior ISA at a glance...
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.
Already got a junior ISA in your name? Find out what happens when you turn 18
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:
Family Balanced International Fund
For more cautious long-term investors
Invest your money in a wide range of assets including company shares and property, as well as fixed interest assets to reduce your risk of loss. A wide range of investments includes companies in the UK, Europe, US, Far East and emerging markets.
Annual Management Charge of 1.5%Risk rating
Lower HigherYou can find out more about this fund in our Key Information Document and Fund Factsheet
Family Charities Ethical Trust Fund
For more adventurous long-term investors
Invest your money in the top 50 UK companies who focus on operating in a more sustainable way and ensure good supply-chain labour standards. Invests into sectors including pharmaceuticals, consumer goods and healthcare.
Annual Management Charge of 1.5%Risk rating
Lower HigherYou can find out more about this fund in our Key Investor Information Document and Fund Factsheet
Despite having an investment focus on the climate, we've chosen not to apply for a UK Sustainable Investment Label* for this fund. Find out why below.
Ready to get started?
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.
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.
*UK Sustainable Investment Labels
"Sustainable Investment Labels" have been introduced to help investors find products that have a specific sustainability goal, although not every fund that uses sustainable criteria qualifies for these labels. Because the way Family Charities Ethical Trust Fund invests doesn't exactly align with the definition used for these labels, this product doesn't have a UK Sustainable Investment label.
More information on sustainability labels, and a reminder of how Family Charities Ethical Trust Fund targets sustainable environmental outcomes, can be found in our sustainability disclosure document.
Find out about UK Sustainable Investment Labels on the Financial Conduct Authority website.
See what our customers are saying....
Start investing today – open or transfer to our Junior ISA online
*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.
