Opening a Junior ISA
Managing a Junior ISA
Paying into a Junior ISA
General questions
Find out more about Junior ISAs
If you'd like to find out more about Junior ISAs take a look at our guide below.

Yes, as long as you have parental responsibility for the child and you are over 16.
Find out how you can open a junior ISA.
A child is eligible for a OneFamily Junior ISA if:
Find out more about who can open a Junior ISA.
No, your child can't have both a Child Trust Fund (CTF) and a junior ISA. However, if your child already has a CTF, you can transfer the funds over to open a Junior ISA.
Find more information on how to to transfer a CTF into one of our Junior ISAs.
To transfer a CTF, you must be the Registered Contact on the account. Once you have made the transfer into a Junior ISA you cannot transfer back into a CTF. Before making a decision to transfer, you should check if the current CTF provider will charge a fee.
If you hold a Junior ISA with us, you can manage it on your online account.
If you are the registered contact for a child’s junior ISA, you are in charge of managing their account until they can take ownership. This includes checking the account balance, monitoring investments and changing account details (such as the registered contact for the account).
You won’t be able to take any money out, as only the child the JISA was opened for can access the money in that JISA, and only when they turn 18.
No, the account and all money paid into it belong to the child. They can only access the money from age 18.
When your child turns 18, their junior ISA will become an adult ISA. It’s up to them what they’d like to do with their investment.
There are a number of options available including:
There is an Annual Management Charge of 1.5% of the value of the fund.
Learn more about our Junior ISA fees and charges.
Yes, you can transfer your child’s junior ISA to another provider at any time. We do not apply a charge if you want to transfer a OneFamily Junior ISA to another provider.
It's easy. Learn how to transfer an existing junior ISA to OneFamily.
No, only the child can access the money and only once they turn 18. You can choose to stop contributing into a junior ISA at any time but the Annual Management Charge will continue to be taken.
Learn more about our Junior ISA fees and charges.
Visiting Making a Payment to set up a direct debit or pay in a one-off amount.
No. We do not accept payments from business accounts. Any money that you save or invest in any kind of ISA, including a junior ISA, has to come from a UK personal bank or building society account.
You can pause or reduce payments into your Junior ISA at any time, free of charge. Log into your online account to change your direct debit.
You can restart payments again in the future or make one-off payments at any time by visiting Making a Payment.
OneFamily offers a stocks and shares Junior ISA.
Learn more about our Stocks and Shares Junior ISA.
Yes. You can open both a cash JISA and a stocks and shares JISA under the same child’s name. You just need to keep in mind that you can still only pay in up to £9,000 in total each tax year, regardless of how many JISAs the child has in their name.
Learn more about our Stocks and Shares Junior ISA.
You should let us know as soon as possible if you or your child move abroad. You should also let us know if you or your child return to the UK.
You will still be able to put money in your child’s junior ISA if you or your child move abroad, but it’s important that you look into the tax laws of the country you’re moving to. When your child gains access to the money in their junior ISA at 18, it’s possible that they might have to pay tax on any proceeds they get from their investments.
If your child is diagnosed with a terminal illness, you’ll have to get in touch with HMRC. They will then let you take the money out of their junior ISA.
If your child passes away, you should let us know so you can access the money in your child’s Junior ISA. We might need to ask you for a death certificate.
If you'd like to find out more about Junior ISAs take a look at our guide below.