- 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
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.
Investment ideas for 2024
If you're looking for investment ideas, Investment Director Tom Stevenson shares four funds he's chosen to invest in this year.
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 awards
Junior ISA FAQs
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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