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A Junior Individual Savings Account (ISA) is a long-term, tax-free savings account that lets you save and invest on behalf of a child under the age of 18.

  • A child’s parent or guardians with parental responsibility must open the Junior ISA account on their behalf
  • Anyone can pay money into the Junior ISA account once it has been opened
  • The savings limit for a Junior ISA is £4,368 for the 2019/20 tax year
  • Your child can have 1 cash Junior ISA and 1 investment (or stocks and shares) Junior ISA
  • Children aged between 16 and 17 can open their own Junior ISA in addition to an adult cash ISA
  • Money in a Junior ISA belongs to the child and can’t be withdrawn from the account until they’re 18 at which point it automatically converts into an adult ISA
  • You can transfer a Child Trust Fund into a Junior ISA


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