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OneFamily
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OneFamily and WHSmith

We're proud to have partnered with WHSmith 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.

About OneFamily's Junior ISA

A OneFamily Junior ISA is an investment account that can be opened for a child under 16 by someone who has parental responsibility for the child.

Anyone can pay money in, and the child will be able to access it when they turn 18 without paying any tax on any money they withdraw.

OneFamily’s Junior ISA is a stocks and shares junior ISA. That means the money that you pay in goes into a fund that’s invested in the stock market.

This gives your money good potential to outgrow interest rates, but there is a risk that its value could go down, which would mean your child getting back less than has been paid in.

You can invest up to £9,000 in a junior ISA each tax year. But you don’t need to invest as much as that, at OneFamily, our minimum investment is just £10 a month by Direct Debit or a £100 one-off payment.

Read more about Junior ISAs

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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.

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Lower performance

Amount your child could receive at age 18

Projected value

Higher performance

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.

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:

Ready to get started?

Open a Junior ISA

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've over 45 years’ experience of being a trusted provider of financial products for children and adults, looking after over £5.5 billion for nearly 2 million customers.*

As a member-owned business, we want to have a positive impact on those around us. Our Inspiring Better Futures vision underpins our commitment to supporting our members and customers, creating an inclusive and diverse work environment and making a real difference in our communities.

Whether it’s offering affordable and accessible products to suit all types of savers, supporting our members with education grants, or giving back to our communities through charity partnerships and volunteering, our vision is at the heart of what we do.

*As at December 2022

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Start saving today – open a Junior ISA online

If you want to open a OneFamily Junior ISA by phone, call 0800 028 1112*

*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.

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.