- You want a long-term tax-efficient savings account for your child
- You don’t want your child to make withdrawals before they’re 18
- You want a range of investment options
- You’re happy that the account automatically transfers over to the child at 18
- You don’t already have a child trust fund set up
Investment accounts
Adult accounts
Child accounts
Choosing Fidelity
Choosing Fidelity
Why invest with us Current offers Fees and charges Open an account Transfer investments
Financial advice & support
Fidelity’s Services
Fidelity’s Services
Financial advice Retirement Wealth Management Investor Centre (London) Bereavement
Guidance and tools
Guidance and tools
Choosing investments Choosing accounts ISA calculator Retirement calculators
Share dealing
Choose your shares
Tools and information
Tools and information
Share prices and markets Chart and compare shares Stock market news Shareholder perks
Pensions & retirement
Pensions, tax & tools
Saving for retirement
Approaching / In retirement
Approaching / In retirement
Speak to a specialist Creating a retirement plan Taking tax-free cash Pension drawdown Annuities Investing in retirement Investment Pathways
In this section
Junior ISA
Start saving for a child’s future by investing in a Stocks and Shares Junior ISA on their behalf.
Important information - please keep in mind that the value of investments can go down as well as up so you may get back less than you invest. Eligibility to invest in a Junior ISA and tax treatment depends on personal circumstances and all tax rules may change in the future. Withdrawals from a Junior ISA will not be possible until the child reaches age 18. 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 one of Fidelity’s advisers or an authorised financial adviser of your choice.
Invest for your child’s future with a Junior ISA
A Junior Stocks and Shares ISA is a tax-efficient way to save for your child’s future as you pay no income tax or capital gains tax on your investments. The Junior ISA allowance for the 2024/2025 tax year is £9,000, and you have until 5 April 2025 to use it. Once your child reaches 18, they can access the money in their Junior ISA. Fidelity doesn’t charge service fees on Junior ISAs, so more is in your child’s account to potentially grow over time, though not guaranteed. Ongoing fund charges and other fees may apply depending on your choice of investments.
Begin saving today
Start from as little as £25. Friends and family can gift money too.
No service fee
We don't charge a service fee on investments held in junior accounts.
Here to help
Our UK and Ireland-based call centres are open six days a week.
A wealth of choice
Choose from thousands of funds and shares to invest in.
Expert guidance
Online tools and insights from our teams of experts to help you decide where to put your money.
Always at your fingertips
Manage investments 24/7 with our secure online service and apps.
You must be the child's parent or guardian to open the Junior ISA. Once it's open, anyone over the age of 18 can pay in to the Junior ISA. All you need to do is start a regular savings plan from £25, or invest a lump sum from as little as £100.
Are Junior ISAs a good idea?
Junior ISAs are a tax-efficient way of saving, and of course putting money away for your child's future has many benefits, but only you can decide if it's the right choice for your child. Below are a list of considerations.
Reasons a Junior ISA may be worth considering
Things to think about when considering a Junior ISA
- You already have a child trust fund set up for your child and don’t want to close it
- You or the child might want access to the money before they turn 18
- You want to save more than £9,000 per tax- year which is the annual Junior ISA allowance
How much can you save for your child in a Junior ISA?
- Save up to £9,000 a year, free of UK tax
- Start from as little as £25
- Set up a regular savings plan or pay in lump sums - family and friends can pay in too
Junior ISA investment choices
- Over 3,000 funds
- Over 2,000 UK and international shares, growing all the time
- Investment trusts and exchange-traded funds (ETFs)
- Our online tools can help you find your next investment
With you every step of the way
- Access your Junior ISA 24/7 online or on our app
- Expert guidance emails and articles to help you invest
- Our tools can help you find your next investment
Let's get started
You must be the child's parent or guardian to open the Junior ISA but, once it's open, anyone over the age of 18 can pay in.
Open a Junior ISA
Start a regular savings plan from £25, or invest a lump sum from as little as £100.
What funds have investors been buying?
Every month we take a look at where our customers have chosen to invest. It's a good place to start if you're looking for inspiration for your own portfolio.
Boring Money Best Buy JISA
We’re proud to have been recognised with the coveted Boring Money Best Buy JISA award for the last three years running - compiled using customer reviews and Boring Money’s own rigorous testing, charges and customer service evaluations - recognising all-round excellence.
See our awardsJunior ISA FAQs
What is a Stocks and Shares Junior ISA?
A Junior Stock and Shares ISA is a type of savings account that allows you to invest in a wide range of investments. It is a tax efficient way to save on behalf of a child. A Junior ISA is only available to children under the age of 18 who are resident in the UK. Parents or guardians can open the Junior ISA and manage the account but the money belongs to the child and the investment is locked away until the child reaches 18 years old.
How does a Junior ISA differ from a Child Trust Fund?
Child Trust Funds (CTFs) were available to children born between 1 September 2002 and 2 January 2011. Junior ISAs replaced CTFs from 1 November 2011. Both products offer long-term tax-efficient savings for children. However, CTFs were opened with a voucher from the government, usually for £250, whereas Junior ISAs are not opened with any government contributions. Both products have an annual contribution limit of £9,000. The CTF contribution year renews on the child’s birthday, whereas the Junior ISA contribution year renews at the beginning of the new tax year.
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 £9,000.
Please note that a child cannot hold both a Junior ISA and Child Trust Fund (CTF).
How do I open a Fidelity Junior ISA?
To open a Fidelity Junior ISA on behalf of a child, you can apply through our straightforward online application.
Who can contribute into a Junior ISA and how?
Anyone (including grandparents, other family members or friends) over the age of 18 can contribute to a Junior ISA. We cannot accept any contribution from the child, even if they are 16. The registered account holder will be able to apply online.
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.
Can you withdraw money from a Junior ISA early?
Withdrawal from a Junior ISA can only occur after the child reaches 18 years of age. If your child becomes terminally ill, you can request to access money in the Junior ISA by completing the HM Revenue & Customs (HMRC) terminal illness early access form.
If your child passes away, the Junior ISA will be paid to whoever inherits their estate (usually a parent or legal guardian).
Can a child have both a Child Trust Fund (CTF) and a Junior ISA?
No, a child cannot have both a CTF and a Junior ISA. If they have a CTF, this will need to be transferred into the Junior ISA upon opening one.
Your Junior ISA checklist
Make sure you have the following information with you:
- A National Insurance number for the junior account holder (if they have one)
- Debit card details (for a single payment)
- Bank or building society details (if you’re planning on setting up a regular savings plan)
Junior ISA guide
Download nowPolicies and important information
Accessibility | Conflicts of interest statement | Consumer Duty Target Market | Consumer Duty Value Assessment Statement | Cookie policy | Diversity, Equity & Inclusion | Doing Business with Fidelity | Diversity, Equity & Inclusion Reports | Investing in Fidelity funds | Legal information | Modern slavery | Mutual respect policy | Privacy statement | Remuneration policy | Staying secure | Statutory and Regulatory disclosures | Whistleblowing programme
Please remember that past performance is not necessarily a guide to future performance, the performance of investments is not guaranteed, and the value of your investments can go down as well as up, so you may get back less than you invest. When investments have particular tax features, these will depend on your personal circumstances and tax rules may change in the future. This website does not contain any personal recommendations for a particular course of action, service or product. You should regularly review your investment objectives and choices and, if you are unsure whether an investment is suitable for you, you should contact an authorised financial adviser. Before opening an account, please read the ‘Doing Business with Fidelity’ document which incorporates our client terms. Prior to investing into a fund, please read the relevant key information document which contains important information about the fund.
This website is issued by Financial Administration Services Limited, which is authorised and regulated by the Financial Conduct Authority (FCA) (FCA Register number 122169) and registered in England and Wales under company number 1629709 whose registered address is Beech Gate, Millfield Lane, Lower Kingswood, Tadworth, Surrey, KT20 6RP.