Ready to take over your Junior ISA?

If you're over 16, you can register to take control of your Junior ISA, but you can't yet move or withdraw your money.

If you're over 18, you can register to take control and you can now do what you like with your money!

Once you’re registered, you'll be in charge. We won’t be able to discuss the account with your parent/guardian anymore and we’ll send all information to you instead.

What happens when I turn 18?

Your Junior ISA "matures" – it becomes an adult ISA and you can choose what to do with the money that's been saved for you.

You can leave your money where it is but you won't be able to pay any more money in. So you might decide to withdraw it or move it to another type of account.

You'll be able to:

  • Keep your money invested by moving it into another ISA (that you can pay into)
  • Withdraw some money to spend now, but also move some into another ISA
  • Withdraw some money to spend now, but leave some where it is while you decide how to use it
  • Sell all your investments straightaway to withdraw all the money

Thinking of keeping some money invested?

The money in your Junior ISA has been put aside to give you options at 18 that you might not have had otherwise.

If you want to keep some (or all) of it invested, we've two simple options available:

  • Our Stocks and Shares ISA could be a good fit if you want to invest your money and want to keep paying money in.
  • Or, if you’re saving to buy your first home, our Lifetime ISA tops up your savings by 25% to help you get the keys quicker.

Tip: It’s not all or nothing! You can withdraw some money, put some in a Stocks and Shares ISA and put some in a Lifetime ISA. The choice is yours.

Care about climate change? Yeah, us too

That’s why our Stocks and Shares ISA and Lifetime ISA both invest your money in funds that are working towards aligning with the United Nations Paris Accord to limit climate change to 2ºC above pre-industrial levels.

We invest in stocks and shares

Your OneFamily Junior ISA was invested in a fund that bought shares in the stock market on your behalf. Its value changed as the value of those shares changed.

If you move money into our Stocks and Shares ISA or Lifetime ISA, it will still be invested, just in a different fund.

Stocks and shares ISAs have good potential to out-grow interest rates. But it’s important to be aware that the value can go down as well as up, meaning you could get back less than you pay in.

Ready to register?

If you're 18, you'll see the options to move or withdraw your money as soon as you're registered.

But registering doesn’t mean you need to make your mind up!

You can register now but still leave your money where it is while you decide your next move.

I'm ready to register

I'll do it later

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