What is a Junior ISA?

A Junior Individual Savings Account (ISA) is a tax-efficient way to invest for your child's future. The annual investment limit for this tax year is £4,260. There's no income tax or capital gains tax to pay on the final amount, which only the child can access and only at age 18.

Junior ISAs let you invest over the long term for the things your child might really want going into their adult life: whether that's going to uni, driving lessons or perhaps a little extra to help pay for a flat of their own.

Key points

  • Invest up to £4,260 each year.
  • Only your child can access the money and only at age 18.
  • Final amount free from income/capital gains tax.
    (Tax advantages depend on individual circumstances and may change in the future.)

The OneFamily Junior ISA

Our Junior ISA invests in stocks and shares and aims to grow your child's investment over the long term. Of course, as with any investment, the value can fall as well as rise meaning your child could get back less than is paid in.

Good potential to grow
We invest in stocks and shares because we think that's the best way to grow your child's money. Over every 18 year period in the last 50 years, stocks and shares have made more money than cash accounts (where the money is protected)*. Of course, good returns in the past don’t guarantee good returns in the future.

*Source: Barclays equity gilt study April 2017. Average annual real rate of return based on Barclays indices.

A tax free lump sum for your child
There's no income tax or capital gains tax payable on the final amount, so your child's money could go that little bit further.

Affordable and flexible
Pay in from £10 a month up to the maximum of £4,260 this tax year. You decide how much you can afford. And if you need to, you can change the amount you want to pay in at any time.

Anyone can pay in
Family and friends can make a gift to the child by setting up a regular or one-off payment. You just need to make sure the combined payments don’t go over the current annual limit of £4,260.

Easy online account management
Register to manage your account online to amend your payment amounts or personal details, and to see how much your child could get when they turn 18.

Moneyfacts logo - Best Junior ISA Provider 2015

By choosing our stocks and shares Junior ISA, you’re trusting an award winning provider.

We've won the Best Junior ISA Provider award four years running: as Family Investments in 2012 and 2014, and as OneFamily in 2015, 2016 and 2017.

Picking a fund

It shouldn't take any longer than 10 minutes to complete our online application. To start, all you have to do is choose between the two funds below. Please read the documents below to get a good understanding about how each fund is invested. You can then apply online, or if you are looking to transfer an existing Junior ISA or Child Trust Fund to us please see our frequently asked questions below.

Our Junior ISA

Invests in the Family Balanced International Fund.

This fund could be the right choice for you if:

  • You want a fund that invests in other areas as well as stocks and shares, spreading the risk and reducing the impact of the stock market on losses and gains.
  • You want to invest overseas as well as in the UK.


Find out more with these key documents...

Important Information booklet

Key Information document

Fund factsheet

Apply online

Request an enquiry pack

Our ethical Junior ISA

Invests in the Family Charities Ethical Trust.

This fund could be the right choice for you if:

  • You want to invest in a fund that only buys shares in companies with a responsible outlook on social, ethical and environmental issues.
  • You want to invest mainly in the top 50 companies listed on a selected UK ethical index.
  • The selective nature of this fund means that it can be more sensitive to rises and falls in the stock market.

Find out more with these key documents...

Important Information booklet

Key Investor Information document

Fund factsheet

Apply online

Request an enquiry pack

How much could your child get?

We all want our children to do well in life and there are certain milestones where a little help from parents can make a massive difference.  Whether you're investing a little or a lot, you can use our calculator to work out how you could potentially have a very useful amount by the time they're 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 get 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


Amount your child could receive at age 18


    2% annual growth


      5% annual growth


        8% annual growth

        The 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%. 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.

        Frequently asked questions

        Apply online today

        A little thank you

        We’d like to give you a little gift to say thank you for your application. Open a OneFamily Junior ISA online and set up a monthly Direct Debit of £20 or more we'll send you £30 Amazon e-voucher. Please see our gift terms and conditions »

        £30 e-voucher.


        Please read all the product info and remember your child’s capital is at risk.

        Let's get started