- 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 setup.
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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. The value of tax savings and eligibility to invest in a Junior 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. 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.
Invest for your child’s future
A Junior Stocks and Shares ISA account (JISA) 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 2022/23 tax year is £9,000, and you have until 5 April 2023 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, giving you the ability to put a little bit extra into your Child’s ISA account if you wish. Ongoing fund charges and other fees may apply.
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Start from as little as £25. Friends and family can gift money too.

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We don't charge a service fee on junior accounts.
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Choose from thousands of funds and shares to invest in.
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Whether you’re saving for your child's education or to get them on the property ladder.
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You must be the child's parent or guardian to open the Junior ISA, but once it is opened, anyone can pay in. All you need to do is start a regular savings plan from £25, or invest a lump sum from as little as £1,000.
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 setup 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.
Important information: This information is not a personal recommendation for any particular investment. If you are unsure about the suitabilty of an investment you should speak to an authorised finanicial adviser.
How much can you save 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.
- Large selection of UK shares, growing all the time.
- Investment trusts and exchange-traded funds (ETFs).
- Investment solutions from our experts.
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 can pay in.
Open a Junior ISA
Start a regular savings plan from £25, or invest a lump sum from as little as £1,000.
Junior 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.
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.
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. Please note that Fidelity does not allow for CTF transfers into a Junior ISA.
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
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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.
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