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Junior ISAs explained

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.

What is a junior ISA?

A junior ISA (JISA) account is a tax-efficient way to save on a child's behalf, without paying income tax or capital gains tax on the investments.

There are a lot of questions around junior ISAs; such as how they work, what the JISA allowance is and who can pay into it, so we've pulled together answers to the questions we're asked the most. Watch our video and read our FAQs to help you decide whether putting your hard-earned savings into a junior ISA is the right decision for you.

Transcript: What is a junior ISA?

Junior ISA FAQs

How does a junior ISA differ from a Child Trust Fund?
Can a child have both a Child Trust Fund (CTF) and a junior ISA?
What is the junior ISA age limit?

Opening a junior ISA

How do I open a junior ISA?
Who can open a junior ISA?
How many junior ISAs can a child have?

Let's get started

You must be the child's parent or guardian to open our 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 £100.

Paying into a junior ISA

What is the current junior ISA allowance?
Who can contribute into a Junior ISA and how?
Can I set up a direct debit or regular payment plan?

Managing a junior ISA

Who can manage the investments within a junior ISA?

Withdrawing money from a junior ISA

What happens to a junior ISA when the child reaches 18 years of age?
Can you withdraw money from a junior ISA early?
What happens to any income from Fidelity's Junior ISA?

Transferring a junior ISA

Can I transfer a Child Trust Fund to a junior ISA?
Can I transfer a junior ISA to Fidelity?

Fidelity's Junior ISA fees and charges

What are the charges and ongoing fees for Fidelity's Junior ISA?