Junior ISA transfer
Be invested in giving a child a head start. Even small amounts can make a difference over time.
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. Before deciding to transfer, please read our transfer guide Moving your investments to Fidelity, which explains the options available and gives you the important information you need to know.
Transfer a Junior ISA
We understand you want the best for your child’s financial future and we can help you achieve it. Bringing your child’s Junior ISA to Fidelity is easy. Just tell us who your current provider is and let us do the rest.
With a wide range of investment options, you will have plenty of ways to help your child's money grow.
Why transfer a Junior ISA to Fidelity?
Trust - We help over 1.6 million investors in the UK grow their financial wealth*
Experience - We have been looking after investors since 1969
Expert guidance - We have lots of information and online tools to help with your Junior ISA decisions
No service fee - We don’t charge a service fee on investments held in your Junior ISA. Ongoing fund management charges will still apply
Choice - One of the widest fund ranges in the market, along with shares, investment trusts and exchange-traded funds
Customer service - We are proud to be rated ‘Excellent’ on Trustpilot**
*Fidelity as at 31.12.24 **Trustpilot rating based on 5,263 reviews as at 17.03.25
A host of benefits on one investment platform
Transferring your investments over to us gives you access to all the great benefits Fidelity offers, including our online guidance and investment selection tools, on-the-go access and support with investing.
Our transfer process is straightforward, and we don't charge any fees for transferring. Although we suggest checking with your existing provider to understand if you will incur any exit fees. But rest assured, we have got you covered here as well. We will reimburse the exit fees (up to £500 per person) charged by your existing provider when you move your investments over to us - read our exit fees T&Cs
How to transfer a Junior ISA
You can transfer a Junior Stocks and Shares ISA following these straightforward steps. If you don’t already have a Junior ISA with us, we’ll help you to open one. If you do have one, you’ll need to login.
You’ll need the account number and provider name of the Junior ISA you want to transfer to us.
You’ll also need the National Insurance number of the child’s parent or guardian who is the registered contact for the account.
Give us the details of the Junior ISA that you want to transfer (the ones you collected from step 1). We’ll then contact the existing provider and arrange the transfer. Remember to read any small print before you go ahead with the transfer.
We’ll be in contact once the process has been completed, which can take up to eight weeks. Where possible, we’ll move your assets over as units/shares into the Fidelity Junior ISA. If your current provider only offers cash transfers, or the investments held with them are not available with us, they’ll be sold and then transferred as cash to the Fidelity Junior ISA. You can choose your investments once your money is transferred.
Why transfer to Fidelity
We keep things simple
Once instructed, we’ll contact the provider to arrange the transfer for you. If we offer the same investments, we’ll move them as they are. If we offer the same investments but in a different share class, we'll ask the provider to convert these into our common share class and then transfer them.
Offering a wealth of choice
Once the transfer is complete, you can choose to keep the same investments or buy new ones. We have thousands of funds and exchange-traded instruments such as shares and investment trusts to help you reach your financial goals.
A cost-effective option
We have negotiated discounted ongoing charges on hundreds of funds on our platform and we don’t charge a service fee on investments held in junior accounts.
Covering exit fees for you
We will reimburse any exit/redemption fees your existing provider may charge, up to £500 per person.
Read our exit fees T&CsImportant information - If we have a different share class of the same investment, we’ll work with the current provider to convert them into the share class we offer, and then move them onto our platform. Your child’s investments won’t be out of the market during this time, but the units in the new share class may vary as the prices of different share classes of the same fund are usually different.
Please note, once the transfer is complete, we may have an even cheaper share class available - in this case we’ll trigger an automatic conversion once available.
If we don’t have the same share class of the investment - or an alternative share class - available on the platform, we’ll ask your current provider to sell the investments and move the proceeds into the Fidelity Junior ISA as cash to keep the tax benefits. In such a case, your child’s investments will be out of the market until you decide to invest that cash on our platform in different fund options and exchange-traded investments, such as shares and investment trusts. This means your child could miss out on growth and income if the market rises during this time.
You can use the above link to transfer a Junior ISA online, or you can download and complete the form and send it to us by post.
Before making your decision, please read our transfer guide: 'Moving your investments to Fidelity' which explains the options available and gives you the important information you need to know.
Junior ISA transfer FAQs
Yes, you can transfer from one Junior ISA provider to another, as well as switch between a Cash Junior ISA and a Stocks and Shares Junior ISA. This means you can transfer a Cash Junior ISA held with one provider to a Stocks and Shares Junior ISA with another provider.
A Junior ISA transfer can take up to eight weeks (and longer in some cases), depending on the handling times of the various parties involved in the process. This also depends on whether the current provider processes your transfer request electronically or by post. However, you will remain invested throughout this time.
The completion time may also vary if we offer a different share class of the same investments your child holds, and the provider is unable to convert them into a share class we offer. In which case, we'll ask the provider to sell the investments into cash and then move the proceeds over.
Yes, you can transfer the same investments based on their availability on our platform.
Please read our guide on Moving your investments to Fidelity for more details.
We'll work with your provider to convert the investments into the share class we offer and then move them as they are. In which case, your child may have a different number of units in the new share class as the prices of different share classes of the same fund are usually different.
Your child’s investments will not be out of the market during this time. However, a further conversion may be required to move the investments into the cheapest share class available on our platform.
If the provider fails to convert the investments into the share class we offer, we’ll ask them to sell the investments into cash and then move the proceeds into the Fidelity Junior ISA.
Please read our guide on Moving your investments to Fidelity for more details.
Usually, withdrawal from a Junior ISA can only occur after the child reaches 18 years of age, at which point it becomes an ISA in their name.
In other words, when your child turns 18, their Junior ISA will become a Stocks and Shares ISA, allowing them to manage or withdraw money from their account individually.
Only parents and legal guardians of an eligible child can apply to open a Junior Stocks and Shares ISA.
However, anyone (including grandparents and other family members or friends) can contribute to a Junior ISA. Lump sum payments can be done online by the registered contact, and regular savings plans can be set up using a third-party Junior ISA regular savings form.
The Junior ISA allowance for tax year is £9,000. The allowance can be split between a Cash Junior ISA, and a Stocks and Shares Junior ISA, which allows a child to have two accounts.
