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:

Your investment options with OneFamily
Lifetime ISA
This could be a good option if you want to save for your first home as the government will pay in an extra 25% of everything you save in a lifetime ISA!
You are limited to investing no more than £4,000 in a tax year and if you take the money out for anything other than buying your first home, HMRC will charge you a withdrawal fee (unless you’ve turned 60, when you can do what you like with the money).
For this reason, you should be certain that at some point you'll want to buy a home – even if that's not for a while.
There are a few rules to be aware of! Take a look at our Lifetime ISA page to find out if this is the option for you.
Stocks & Shares ISA
The government doesn’t top-up money you save in an ISA sadly, but you can take your money out for anything without paying a withdrawal fee.
So, if your current goal is to save for anything other than your first home, such as putting money aside for university, for setting up a future business or simply for keeping your options open, an ISA might be better suited to you.
As our ISA invests in stocks and shares, there's good potential for your money to out-grow cash savings over the long-term, but there is a risk that the value could go down.
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.