The OneFamily Junior ISA
Central Co-op has teamed up with OneFamily to help more children afford the future they want with our simple, low-cost Junior ISA
OneFamily and Central Co-op
We're proud to have partnered with Central Co-op to share our Junior ISA so that more children can say "yes" to their dream future. Whether they use their Junior ISA money to study, to travel to an apprenticeship or to buy the equipment they need to start their career, it could make all the difference to your child when they turn 18.
At OneFamily, we believe that everyone has the right to save for their children and we make that possible with our low minimum investment of just £10 a month.
Central Co-op Members will receive a reward for opening up a Junior ISA
What is a junior ISA (JISA)?
A OneFamily Junior ISA (JISA) is an investment account for children under the age of 16. It can be opened by the child's parent or legal guardian but anyone can pay money in. 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 an investment JISA. That means the money that you pay in is invested on your behalf. It therefore 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 three funds so you can choose the risk level you're comfortable with.
Our minimum investment is just £10 a month by direct debit or a lump sum starting from £100.
Junior ISA projection calculator
Use our Junior ISA calculator to find out how much your child could get at 18 if you start investing a small amount now.
The calculator shows how your child's Junior ISA could grow with low, medium and high performance. Remember, projections are not a guarantee of future performance and your child could get back less than you pay in.
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.
Member Reward
Central Co-op Members will receive a reward for opening up a Junior ISA*
| Monthly DD (for 3 months min) | Age of child | Member reward |
|---|---|---|
| £25 - £49.99 | 1-6 | £10 |
| £25 - £49.99 | 7-15 | £5 |
| £50+ | 1-6 | £20 |
| £50+ | 7-15 | £10 |
*a direct debit must be set up and eligibility for the reward is checked after 90 days.
Choose your investment style
We offer three investment styles which give you the freedom to invest your money in a way that’s rewarding and comfortable for you.
Cautious
Aims for modest growth with more investment in lower-risk assets
Balanced
Aims for more growth with more investment in higher-risk assets
Adventurous
Aims to maximise growth with a focus on higher-risk assets
Your money will be invested in the ‘OneFamily Global Select 35% Shares’ fund which aims to achieve modest growth, with moderate fluctuations in value.
The figures above are calculated from June to June for each calendar year and are net of the underlying fund fees. Performance is based on price movement calculated using published prices on our website, which will include all charges payable on the underlying investments.
Note: The past performance data in the graph above is simulated and does not reflect actual investment performance. It uses the historic fund prices and charges of the underlying fund which is denominated in USD (at 30th June 2025); This carries the risk of exchange-rate movements. Please note that all transactions you make will be handled in GBP and the charges on this fund are 1.1%.
Past performance is not a guide to future performance and should not be used on its own to make an investment decision.
Important documents
Fees
1.1% Annual Management Charge
Investments can go down as well as up in value, so you may get back less than you put in.
Return to investment stylesYour money will be invested in the ‘OneFamily Global Select 65% Shares’ fund which aims to achieve higher growth, but with more fluctuations in value.
The figures above are calculated from June to June for each calendar year and are net of the underlying fund fees. Performance is based on price movement calculated using published prices on our website, which will include all charges payable on the underlying investments.
Note: The past performance data in the graph above is simulated and does not reflect actual investment performance. It uses the historic fund prices and charges of the underlying fund which is denominated in USD (at 30th June 2025); This carries the risk of exchange-rate movements. Please note that all transactions you make will be handled in GBP and the charges on this fund are 1.1%.
Past performance is not a guide to future performance and should not be used on its own to make an investment decision.
Important documents
Fees
1.1% Annual Management Charge
Investments can go down as well as up in value, so you may get back less than you put in.
Return to investment styles
Your money will be invested in the ‘OneFamily Global Select 100% Shares’ fund which aims to maximise growth but has the potential to see the largest fluctuations in value.
The figures above are calculated from June to June for each calendar year and are net of the underlying fund fees. Performance is based on price movement calculated using published prices on our website, which will include all charges payable on the underlying investments.
Note: The past performance data in the graph above is simulated and does not reflect actual investment performance. It uses the historic fund prices and charges of the underlying fund which is denominated in USD (at 30th June 2025); This carries the risk of exchange-rate movements. Please note that all transactions you make will be handled in GBP and the charges on this fund are 1.1%.
Past performance is not a guide to future performance and should not be used on its own to make an investment decision.
Important documents
Fees
1.1% Annual Management Charge
Investments can go down as well as up in value, so you may get back less than you put in.
Return to investment stylesWhy invest with OneFamily?
We’re owned by our members for our members. This means we don’t have shareholders to pay, so we can reinvest our profits to benefit our members and communities.
We’re trusted by over 1.5 million customers to grow their financial wellbeing through providing the accessible, affordable products they tell us they need. And don’t just take our word for it – our customers rate us highly, with an overall satisfaction score of 93% in 2024.*
Our Inspiring Better Futures vision focuses on supporting our customers, investing in our colleagues and giving back to our communities.
Through our education grants, charity partnerships, volunteering and much more, making a difference to those who need it most is at the heart of what we do.
*Source: Bright survey, 2024.
See what our customers are saying....
Start investing today – open our Junior ISA online
