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Junior ISA Hub

A Junior ISA is a great way for family and friends to save for a child’s future without them having to pay tax on any interest or investment growth. Find out how Junior ISAs work, how to open a Junior ISA and make payments in our Junior ISA Hub.

About Junior ISAs

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What is a Junior ISA?

A Junior ISA is a long-term savings account set up by a parent or guardian with a Junior ISA provider, specifically for their child’s future.

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Why open a Junior ISA?

You must be a legal guardian to open a junior ISA for a child. It’s a great way to save for a young person’s future and help them along the road to financial stability.

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Who can open a Junior ISA?

You must be a legal guardian in order to open a Junior ISA for a child. It’s a great way to save for a young person’s future and help them along the road to financial stability.

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Junior ISA Pros and Cons

We’ve pulled together a list of the benefits of Junior ISAs and the things to keep in mind, so you know what to expect if you open one.

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What happens when a junior ISA matures?

When you turn 18, your junior ISA “matures”, meaning you can now do what you like with the money.
Find out more about how the maturity process works, what to do to gain control of your money and what your options are.

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Rules and Eligibility

A mother, father and daughter laughing together, sitting on the floor.

What is a Junior ISA?

A Junior ISA is a long-term savings account set up by a parent or guardian with a Junior ISA provider, specifically for their child’s future.

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Junior ISA: What is ‘parental responsibility’?

When we talk about who can open a junior ISA (JISA), we often mention parents, legal guardians and those with parental responsibility. But what exactly does parental responsibility mean in the context of JISAs?

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A woman holding her baby in the air, in front of a blue painted wall.

Who can open a Junior ISA?

You must be a legal guardian in order to open a Junior ISA for a child. It’s a great way to save for a young person’s future and help them along the road to financial stability.

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A guide to the junior ISA annual allowance

There is a limit to how much money you can put into a junior ISA each tax year. Find out what the current junior ISA allowance is, how it works and how it interacts with other savings products.

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Paying into a junior ISA

One of the great things about JISAs is that anyone can help your child’s savings pot grow. Find out how you, your family and even your friends can pay into a JISA and be a part of giving your child a strong financial start when they enter adulthood.

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Comparisons

How are Junior ISAs different to Child Trust Funds?

Child Trust Funds and Junior ISAs are both designed to help you save for your child’s future. They do have some differences though that are worth keeping in mind, especially if you’re considering transferring a CTF to a JISA.

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Junior ISAs vs premium bonds

Whether you choose to buy premium bonds or invest in a JISA (and what type) depends on your situation and how much risk you want to take with the money.

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Junior ISA: cash vs stocks and shares

When you open a JISA, you’ll need to choose between a cash JISA and a stocks and shares JISA. Find out what these options mean, how they compare and what could be the best choice for you and your family.

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Junior ISAs and tax relief: benefits and considerations

Junior ISAs (JISAs) are a great way to give your child a boost into adult life. But did you know there are also tax benefits to saving money in a junior ISA?
Find out about the tax benefits of JISAs and how you can give your children a tax-free lump sum when they turn 18.

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Junior ISAs vs child savings accounts

Junior ISAs and child savings accounts both exist to help you save for your child’s future, but in many ways they’re very different products.
Find out which could best suit you and your family.

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What are the differences between junior ISAs and adult ISAs?

If you’re weighing up how to start saving for your child, you could open a junior ISA (JISA) in their name or save for them in your adult ISA. Find out how these two types of ISA compare so you can decide how to save for your child’s future.

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Tax and Interest

How a Junior ISA could help you save on inheritance tax

Junior ISAs allow you to put money away over time for your children and grandchildren.

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Do Junior ISA savings impact benefits?

Saving for your children should be an option for everyone. Whether or not you claim benefits, you have a right to open a Junior ISA.

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Junior ISAs and tax relief: benefits and considerations

Junior ISAs (JISAs) are a great way to give your child a boost into adult life. But did you know there are also tax benefits to saving money in a junior ISA?
Find out about the tax benefits of JISAs and how you can give your children a tax-free lump sum when they turn 18.

Read article