Home > Child Trust Fund and Junior ISA maturity > What are the next steps for my Junior ISA?

What's next for your Junior ISA money?

At 18, you'll be able to log into your online account and tell us what you’d like to do with the money in your Junior ISA.

What are my choices?

Broadly speaking, you have four options:

Icon option number 1

Keep investing your money

Move your money into another product, such as a Lifetime ISA to save for your first home or a Stocks and Shares ISA to save for anything else.

Icon option number 2

Invest some, spend some

Transfer some of your money into another investment product and withdraw the rest to spend now or invest elsewhere.

Icon option number 3

Leave some, spend some

Decide how much you want to withdraw and leave the rest where it is in your adult ISA while you decide.


Withdraw all your money straightaway

It’s a good idea to make a plan for how you’ll use your money if you choose this option!

We can’t tell you how best to spend your money, but we can let you know your options when it comes to investing.


How can I invest my Junior ISA money?

If investing some, or all, of your Junior ISA money for the future sounds good to you, we make it easy for you to put that money towards our Stocks and Shares ISA or Lifetime ISA.

Both are tax-efficient, meaning no matter how much money you make you won’t pay any tax, and they both invest in climate-friendly funds. Win-win.

Our ISA and Lifetime ISA both invest in stocks and shares, rather than holding your money in cash, which means there’s good potential for your money to grow over the long-term but there is a risk the value could go down.

Once you turn 18, you'll see an option in your online account to simply transfer your money into one of these accounts. Find out more about both options below.

Your investment options with OneFamily

It's worth remembering that the value of stocks and shares can fall as well as rise. This is normal for this type of investment, but you could get back less than has been paid in.

Stocks and Shares ISA vs. Lifetime ISA

Not sure which is most suitable for you? Our video demystifies your options.

Ready to make your choice?

Register or log into your online account to let us know what you’d like to do.

If you want to withdraw some, or all, of the money in your Junior ISA you can choose to do this by bank transfer or by asking us to post you a cheque.

I’m not yet 18

Sit tight for now. If you’re 16 or over, you can register for an online account so you’re ready to go as soon as you do turn 18.



I’m 18 but haven’t got an online account

It’s easy to register, you just need your name, date-of-birth and National Insurance number.



I’m 18 and have an online account

Log in and let us know what you’d like to do with your money. If you’re not decided, don’t worry – you can leave your money where it is while you give it some thought.

Log in