Why open a junior ISA?
It's easy to feel overwhelmed when looking for ways to save for your child's future. A junior ISA could be a good idea if you’re looking to give your child a head start with long term savings or investments.
Tax-free saving and investment
The income or investment returns on a junior ISA – such as interest, an increase in share valuations or a growth on investments – don't count towards a child’s tax allowance. This means a junior ISA is effectively a tax-free investment for children, parents, grandparents, aunts, uncles and anyone else who wants to contribute towards the child’s future.
How much could you help your child save?
Try our calculator to find out how regular contributions to a junior ISA could build up a nest egg for your child.
Secure saving for the future
Only someone with parental responsibility for a child (a parent or legal guardian) can open a junior ISA. But when you take out a junior ISA it will be in your child's name, meaning they will be the only person who can access the money. Once opened they, and only they, will be able to withdraw money from the account and only after their 18th birthday. They can, however, take charge of the account once they are 16 if they wish to manage it.
As junior ISA accounts can't be accessed until the child turns 18, this means all funds are safe and secure from being spent unnecessarily. This makes a junior ISA a great option for people wanting to build a nest egg for their children.
Spend or continue to save
Once your child turns 18 their junior ISA will automatically become an adult ISA. They will then have the choice to either keep saving or spend the money how they wish.
By starting to save early with a junior ISA, you can help your children along the path to a solid financial future. You could help them fund higher education, save for a deposit on a house, or even encourage them to continue saving for their future.
Find out more about your child's options when they turn 18 with our Next Steps guide
Think a junior ISA sounds right for you and your child?
As a five-time award-winning junior ISA provider, we have plenty of experience in helping families invest in their children’s future. From eligibility to details on how our product works, we’re here to help you invest in a junior ISA that’s right for your child.
*As of 31 December 2021
Important information
If you are currently paying into a Child Trust Fund then you will need to transfer the funds as you can't have both. However, you can take one cash junior ISA and one stocks and shares junior ISA.

Find out more about junior ISAs
What would you like to do next?
Start saving today
Your kids deserve a head start. Invest in your children's future with our stocks and shares Junior ISA for tax-free savings
Transfer a child trust fund or junior ISA
Transferring a child trust fund or junior ISA from another provider to OneFamily is simple and we don't charge you to do so.
Learn more about junior ISAs
Find out more about how a JISA can help you save for your child's future.