for future generations

Junior ISA made easy

With a Junior Individual Savings Account (JISA), you will have a tax-efficient way to invest for your child's future.

Award winning Junior ISA provider for the past 5 years

UK based call centre with leading Customer Satisfaction scores

Low minimum monthly contribution of £10

Simple choice of
two funds

How does a Junior ISA work?

It starts with nappies and babygrows and before you know it they’re asking for their first car or jetting off with a backpack. With a JISA, you’ll have a tax-efficient way to invest for your child’s future, and give them a helping hand as they adventure out as an adult.

As our JISA invests in stocks and shares, it has good potential to grow over the long term. In fact, over every 18 year period in the last 50 years, stocks and shares have grown more than cash accounts (where money is protected.)* And there's no income or capital gains tax to pay on the final amount.

Anyone can contribute to your child’s JISA, as long as the combined payments don’t go over the annual limit of £4,260. So, whether it’s by regular direct debit or with one off payments, friends and family can also add to your child’s account.  That’s birthday presents sorted for a few years then! Please remember that only the child can access the money and only from age 18.

* Barclays Equity Gilt Study March 2018. Average annual real rate of return based on Barclays indices

Already got a Junior ISA? Transfer to OneFamily. Call us now on 0800 616695 for an enquiry pack and transfer form.*

Man with child on yellow background

Of course, good returns in the past don't guarantee good returns in the future and it’s worth remembering that its value can fall as well as rise. This is normal for this kind of investment, but it does mean your child could get back less than has been paid in.

Please note that tax advantages depend on individual circumstances and may change in the future.

Why choose a OneFamily Junior ISA?

  • Flexible monthly payments. From £10 to £355 per month
  • Only your child can access the money and only at age 18
  • Once you've chosen your product, applying online takes less than 10 minutes
  • Easy online account management
  • Quarterly statements to help you stay on top of your child's account
  • 92% customer satisfaction score*

*the CS Brite survey results from 2017

ILP18WIN-multi-jisaprv

Here's what our customers are saying...

£30 e-voucher

A little thank you

We'd like to give you a little gift to say thank you for your application. Simply open a OneFamily Junior ISA online and set up a monthly Direct Debit of £20 or more and we'll send you a £30 Amazon e-voucher.

Please see our gift terms and conditions

Find out how much you could help your child save

Simply choose your monthly contributions and your child's age to calculate how much your child could get when they turn 18.

The figures are a guide only, and we can't guarantee them. They're not a reliable indication of future performance. The amount your child gets back depends on how the investment grows. Stocks and shares can fall as well as rise so the child could back less than has been paid in. Also, the cost of living generally increases so the final amount may not buy as much in the future as it could now.

Slide to the amount per month you intend to invest

  • £50

Slide to the current age of your child

  • CHILD'S AGE IN YEARS 5

Amount your child could receive at age 18

    £

    2% annual growth

      £

      5% annual growth

        £

        8% annual growth

        Things to keep in mind when using our Junior ISA calculator

        These results assume amounts for low (2%), mid (5%) and high (8%) annual growth levels. These figures include a deduction of annual management charges of 1.5% and assumes the intended investment amount is maintained until age 18. Calculations are not exact and these charges may vary in the future. If you open a OneFamily Junior ISA, we'll send you statements four times a year to show you how your child's account is coming along.

        Already have a Junior ISA?

        Transferring a Junior ISA to us is simple, and we won’t charge you for making the change.

        We can accept transfers from cash or stocks and shares Junior ISAs with a value of at least £500.

        Call us now on 0800 616695 for an enquiry pack and transfer form.*

        Already have a CTF?

        Children who received a Child Trust Fund (CTF) voucher were not eligible for a new Junior ISA. But you can still open a Junior ISA for them by transferring their Child Trust Fund, with a value of at least £500, to a Junior ISA.

        Call us now on 0800 616695 for an enquiry pack and transfer form.*

        *We're here Monday to Friday from 9am to 7pm, and 9am to 1pm on Saturday, so if you have any questions, give us a call and we’ll be happy to help. The good news is calls to 0800 numbers are free from UK landlines and some mobile phone networks. We do record calls just in case we ever need to listen to them.

        Our choice of funds

        Online application is easy. Once you have read all the documents below to get a good understanding about how each fund is invested, simply choose between the two funds. After that, it shouldn't take any longer than 10 minutes to complete.

        Remember that as our Junior ISA invests in stocks and shares, its value can fall as well as rise, which means your child could get back less than has been paid in. Only your child can access the money and only once they turn 18.

        Family Balanced International Fund

        Invests in international companies as well as those based in the UK.

        If you prefer a broader range of investments, this could be the right choice for you.

            • Invests in a combination of international stocks and shares, UK Gilts, Corporate Bonds and Cash
            • The inclusion of fixed interest assets in this fund.

        To fully understand this product, please read

        Important Information document

        Key Information document

        For more further fund information please click here

        Apply online

        Request a pack

        Family Charities Ethical Trust Fund

        Invests in companies actively working towards environmental sustainability.

        If you want to invest in companies actively working towards environmental sustainability, this could be the one for you.

            • Invests mainly in the top 50 companies listed on a selected ethical index
            • Only buys shares in companies with a responsible outlook on social, ethical and environmental issues

        To fully understand this product, please read

        Important Information document

        Key Investor Information document

        For more further fund information please click here

        Apply online

        Request a pack

        Frequently asked questions

        OneFamily Junior ISA