Fidelity Junior ISA

Start saving for a child’s future by investing in a stocks and shares ISA on their behalf.

The award winning Fidelity Junior ISA is a simple way to invest the full £4,260 Junior ISA allowance this tax year and shelter any earnings from income and capital gains tax.

Open a Junior ISA

The value of investments can go down as well as up so you may get back less than you invest. The value of tax savings and eligibility to invest in an ISA depend on personal circumstances. All tax rules may change in future. Withdrawals from a Junior ISA will not be possible until the child reaches age 18.

Junior ISA FAQs

What is a Junior ISA?

A Junior ISA is a tax-free child savings account introduced in 2011 to replace the Child Trust Fund scheme. It offers a way to save on behalf of a child.

There are two types of Junior ISA options: Cash ISA and Stocks and Shares ISA. Currently, Fidelity only offer the Junior Stocks and Shares ISA account.

What is the Junior ISA age limit?

Any child who is a resident of the UK and does not hold a Child Trust Fund is eligible for a Junior ISA as long as they are 17 years old or under. Once a child reaches 18 years of age, they are no longer eligible for one, but will be eligible for an ISA.

Who can open a Junior ISA?

A person with parental responsibility for any eligible child (or the child themselves if they are aged between 16 and 18) can apply to open a JISA and become the registered contact.

The registered contact has resposibility for managing the JISA and making investment decisions until the child reaches 18 years of age.

Any person can make contributions to a child's JISA.

How do I open a Fidelity Junior ISA?

To open a Fidelity Junior ISA on behalf of a child, you can apply through our online application.

How many Junior ISAs can a child have?

A child can only hold one Cash and one Stocks and Shares Junior ISA. The total contribution between both accounts must not exceed the annual allowance of £4,260.

Please note that a child cannot hold both a Junior ISA and Child Trust Fund (CTF).

Who can contribute into a Junior ISA and how?

Anyone (including grandparents, other family members or friends) can contribute to a Junior ISA. The registered account holder will be able to apply online. Anyone else will be able to contribute using our paper application form.

Fidelity does not need consent from the registered contact for a Junior ISA contribution to be made.

Once the contribution has been made, the money will sit as cash until the registered contact invests it.

The contribution cannot be withdrawn from the Junior ISA once made.

See more Junior ISA FAQs.

Why choose Fidelity

Need help deciding how to invest?

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Build your own portfolio

Explore our full range of investment options to find, filter and select your own combination of investments.

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These guidance tools are not a personal recommendation in respect of a particular investment. If you need additional help, please speak to a financial adviser. You should regularly reassess the suitability of your investments to ensure they continue to meet your attitude to risk and investment goals.

Clear and simple pricing

Our pricing has no hidden charges or fees, so you know exactly what you pay for and when you pay it.

  • One flat-rate fee of £25 a year if you’ve got less than £7,500 invested – that’s only £2.08 a month
  • Or a standard service fee of 0.35%
  • Drops down to 0.2% if you’ve more than £250,000 invested
Children's savings awards 2017

Best Investment ISA

The Moneywise judges were looking for Junior ISA platforms that offered access to an attractive selection of investment funds, good value for money, and a website that is easy to use and offers the right level of support for novice investors.

This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.