How does it work?
Step 1
Take out your investment product
Open a Lifetime ISA through your unique link sent to you by your family member
Step 2
Get rewarded
You and your family member will both receive your £25 referral reward*
Step 3
Share your 3rd party payment link
This means your family can easily pay straight into your Lifetime ISA and help give your future a boost
Step 4
Start referring
As soon as you have an investment product with OneFamily, you can start referring your friends and family!
What is a lifetime ISA?
OneFamily’s Lifetime ISA is a government backed investment account which helps you save for your first home or retirement.
You can invest up to £4,000 a year, and the government will top it up with a 25% bonus — that’s up to £1,000 extra every year.
Our Lifetime ISA invests in stocks and shares, which means your investment can go up or down in value, and you may get back less than you put in. But with the potential for growth and a government bonus, it’s a powerful way to invest in your future.
Getting started is simple. Choose from one of our three climate-focused funds to match your investment style. Then set up a direct debit from £25 a month or pay in a lump sum starting at £100.
Lifetime ISAs are available to UK tax residents aged 18 to 39, and you can keep contributing until you turn 50.
If you withdraw your money before you turn 60 for anything other than buying a first home (worth no more than £450,000), you’ll be charged a 25% government penalty which may leave you with less than you’ve paid in.
*Compared to cash lifetime ISAs, which grow your money with interest rates. As with all investing, the value can go up and down and you could get back less than you’ve paid in.
Your investment options
We offer three investment styles which give you the freedom to invest your money in a way that’s rewarding and comfortable for you.
Cautious
Aims for modest growth with more investment in lower-risk assets
Balanced
Aims for more growth with more investment in higher-risk assets
Adventurous
Aims to maximise growth with a focus on higher-risk assets
Your money will be invested in the ‘OneFamily Global Select 35% Shares’ fund which aims to achieve modest growth, with moderate fluctuations in value.
The figures above are calculated from December to December for each calendar year and are net of the underlying fund fees. Performance is based on price movement calculated using published prices on our website, which will include all charges payable on the underlying investments.
Note: The past performance data in the graph above is simulated and does not reflect actual investment performance. It uses the historic fund prices and charges of the underlying fund which is denominated in USD (at 30th December 2025); This carries the risk of exchange-rate movements. Please note that all transactions you make will be handled in GBP and the charges on this fund are 1.1%.
Past performance is not a guide to future performance and should not be used on its own to make an investment decision.
Important documents
Fees
1.1% Annual Management Charge
Investments can go down as well as up in value, so you may get back less than you put in.
Return to investment optionsYour money will be invested in the ‘OneFamily Global Select 65% Shares’ fund which aims to achieve higher growth, but with more fluctuations in value.
The figures above are calculated from December to December for each calendar year and are net of the underlying fund fees. Performance is based on price movement calculated using published prices on our website, which will include all charges payable on the underlying investments.
Note: The past performance data in the graph above is simulated and does not reflect actual investment performance. It uses the historic fund prices and charges of the underlying fund which is denominated in USD (at 30th December 2025); This carries the risk of exchange-rate movements. Please note that all transactions you make will be handled in GBP and the charges on this fund are 1.1%.
Past performance is not a guide to future performance and should not be used on its own to make an investment decision.
Important documents
Fees
1.1% Annual Management Charge
Investments can go down as well as up in value, so you may get back less than you put in.
Return to investment options
Your money will be invested in the ‘OneFamily Global Select 100% Shares’ fund which aims to maximise growth but has the potential to see the largest fluctuations in value.
The figures above are calculated from December to December for each calendar year and are net of the underlying fund fees. Performance is based on price movement calculated using published prices on our website, which will include all charges payable on the underlying investments.
Note: The past performance data in the graph above is simulated and does not reflect actual investment performance. It uses the historic fund prices and charges of the underlying fund which is denominated in USD (at 30th December 2025); This carries the risk of exchange-rate movements. Please note that all transactions you make will be handled in GBP and the charges on this fund are 1.1%.
Past performance is not a guide to future performance and should not be used on its own to make an investment decision.
Important documents
Fees
1.1% Annual Management Charge
Investments can go down as well as up in value, so you may get back less than you put in.
Return to investment optionsIt’s important to remember past performance isn't a guide to future performance.
Annual management charge of 1.1%
Lifetime ISA rules
If you take money out of your lifetime ISA without following these rules, you'll need to pay a 25% government withdrawal charge
Referral FAQs
*Your e-gift card will be sent within 30 days after a period of 6 months since your first direct debit or lump sum was paid, Terms and Conditions apply
** Source Bright survey, 2024
Open a OneFamily Lifetime ISA in 5 minutes
Grow your savings faster with a 25% government bonus every time you pay in. Start from just £25 a month, up to £4,000 a year.