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
Guides
Guidance and tools
Guidance and tools
Choosing investments Choosing accounts ISA calculator Retirement calculators
Shares
Share dealing
Choose your shares
Tools and information
Tools and information
Share prices and markets Chart and compare shares Stock market news Shareholder perks Stock plan guidance
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 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.
Junior ISA FAQs
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.
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.
Any child who is a resident of the UK and does not hold a Child Trust Fund is eligible for a junior ISA as long as they are 17 years old or under. Once a child reaches 18 years of age, they are no longer eligible for one, but will be eligible for an ISA.
Opening a junior ISA
To open a junior ISA on behalf of a child, you can apply through our straightforward online application. If you need help, download our step-by-step guide on how to open an account with us.
A person with parental responsibility for any eligible child can apply to open a junior ISA (JISA) and become the registered contact.
The registered contact has responsibility for managing the JISA and making investment decisions until the child reaches 18 years of age.
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).
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
Paying into a junior ISA
The junior ISA allowance for the current tax year is £9,000. The allowance can be split between a cash and a stocks and shares junior ISA, allowing a child to have two accounts.
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.
You can set up a regular savings plan for our Junior ISA online and contribute from as little as £25 a month.
Managing a junior ISA
The registered account holder manages the investments on behalf of the child. Once the child turns 18, they will be responsible for managing the investments within the account.
Withdrawing money from a junior ISA
A junior ISA will automatically be converted into an adult ISA account when a child reaches 18 years of age. The child will be able to manage the account by registering for online access. Find out more about our ISA.
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).
Income from our Junior ISA can be either reinvested or kept as cash within the Fidelity cash account.
Transferring a junior ISA
It isn’t possible to transfer a Child Trust Fund to a Junior ISA with us. Other providers may offer this.
Yes, you can transfer your junior ISA to Fidelity. The junior ISA savings will be sent to Fidelity as cash, which can be invested once received by us.
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)
Policies and important information
Accessibility | Conflicts of interest statement | Consumer Duty Target Market | Consumer Duty Value Assessment Statement | Cookie policy | Diversity, Equity & Inclusion | Diversity, Equity & Inclusion Reports | Doing Business with Fidelity | 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.
