JISA type
Cash Junior ISA
Cash AER
3.85% AER
Minimum contribution
£1
Transfers
Accepted
View Junior ISA
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Rates can change. Confirm terms with the provider.
ISAs
Junior ISA
Compare Junior ISAs for long-term saving and investing for children. Compare Cash and Stocks & Shares Junior ISAs by fees, interest rates, minimum contributions, investment choice and transfer support. Money belongs to the child and is normally locked until age 18.
Tax-free saving
Eligible savings and investments are held within a tax-efficient Junior ISA wrapper.
Money belongs to the child
Contributions become the child’s money.
Access normally from age 18
Money is normally locked until the child reaches 18.
Stocks & Shares Junior ISAs: capital is at risk. The value of investments can fall as well as rise.
ISAs
Choose your ISA type
Compare Stocks & Shares, Cash, Lifetime and Junior ISAs — all under one tax-efficient hub.
Junior ISA rules at a glance
Current UK Junior ISA rules for tax year 2026/27. Figures last checked 10 September 2026.
- Annual Junior ISA allowance
- £9,000
- Who can open one
- A parent or person with parental responsibility normally opens the account for an eligible child under current rules.
- Who can contribute
- Anyone
- Who owns the money
- Child owns the money
- Who manages the account
- The registered contact usually manages the account; the child may take control of managing it from age 16 under current rules.
- Normal access age
- Age 18
- Cash and Stocks & Shares JISA
- Cash JISA and Stocks & Shares JISA
- Rules last checked
- 10 September 2026
Money belongs to the child and is normally locked until age 18. Stocks & Shares Junior ISAs: capital is at risk. Confirm on GOV.UK before acting.
13 Junior ISAs
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JISA type
Cash Junior ISA
Cash AER
3.75% AER
Minimum contribution
£0.01
Transfers
Accepted
View Junior ISA
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Rates can change. Confirm terms with the provider.
JISA type
Cash Junior ISA
Cash AER
3.7% AER
Minimum contribution
£1
Transfers
Accepted
View Junior ISA
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Rates can change. Confirm terms with the provider.
JISA type
Cash Junior ISA
Cash AER
3.5% AER
Minimum contribution
£1
Transfers
See details
View Junior ISA
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Rates can change. Confirm terms with the provider.
JISA type
Cash Junior ISA
Cash AER
2.35% AER
Minimum contribution
£1
Transfers
Accepted
View Junior ISA
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Rates can change. Confirm terms with the provider.
JISA type
Stocks & Shares Junior ISA
Annual fee
No platform / account percentage fee
Minimum contribution
£100 or £25/month
Transfers
Accepted
View Junior ISA
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Capital at risk on Stocks & Shares Junior ISAs. Fees may apply.
JISA type
Stocks & Shares Junior ISA
Annual fee
No platform / account percentage fee
Minimum contribution
£100 or £25/month
Transfers
Accepted
View Junior ISA
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Capital at risk on Stocks & Shares Junior ISAs. Fees may apply.
JISA type
Stocks & Shares Junior ISA
Annual fee
0.15% platform fee
Minimum contribution
£500 or £100/month
Transfers
Accepted
View Junior ISA
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Capital at risk on Stocks & Shares Junior ISAs. Fees may apply.
JISA type
Stocks & Shares Junior ISA
Annual fee
0.25% platform fee
Minimum contribution
£250 or £25/month
Transfers
Accepted
View Junior ISA
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Capital at risk on Stocks & Shares Junior ISAs. Fees may apply.
JISA type
Stocks & Shares Junior ISA
Annual fee
0.15% platform fee + £1/month flat
Minimum contribution
£1
Transfers
Accepted
View Junior ISA
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Capital at risk on Stocks & Shares Junior ISAs. Fees may apply.
JISA type
Stocks & Shares Junior ISA
Annual fee
0.2% platform fee
Minimum contribution
£50 or £50/month
Transfers
Accepted
View Junior ISA
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Capital at risk on Stocks & Shares Junior ISAs. Fees may apply.
JISA type
Stocks & Shares Junior ISA
Annual fee
0.6% platform fee
Minimum contribution
£1,000 or £25/month
Transfers
Accepted
View Junior ISA
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Capital at risk on Stocks & Shares Junior ISAs. Fees may apply.
JISA type
Stocks & Shares Junior ISA
Annual fee
0.75% platform fee
Minimum contribution
£100
Transfers
Accepted
View Junior ISA
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Capital at risk on Stocks & Shares Junior ISAs. Fees may apply.
Capital at risk on Stocks & Shares Junior ISAs. Junior ISA rules and allowances may change. This is not personal advice. Confirm current terms on GOV.UK and the provider’s website.
Compare Junior ISA providers
Scan type, fee or AER, minimum and transfers. Expand a card above for full detail.
| Provider | JISA type | Fee / AER | Min | Transfers |
|---|---|---|---|---|
| Leek Building Society | Cash Junior ISA | 3.85% AER | £1 | Accepted |
| Coventry Building Society | Cash Junior ISA | 3.75% AER | £0.01 | Accepted |
| NS&I | Cash Junior ISA | 3.7% AER | £1 | Accepted |
| Skipton Building Society | Cash Junior ISA | 3.5% AER | £1 | See details |
| Halifax | Cash Junior ISA | 2.35% AER | £1 | Accepted |
| Hargreaves Lansdown | Stocks & Shares Junior ISA | No platform / account percentage fee | £100 or £25/month | Accepted |
| Fidelity | Stocks & Shares Junior ISA | No platform / account percentage fee | £100 or £25/month | Accepted |
| Vanguard | Stocks & Shares Junior ISA | 0.15% platform fee | £500 or £100/month | Accepted |
| AJ Bell | Stocks & Shares Junior ISA | 0.25% platform fee | £250 or £25/month | Accepted |
| Moneybox | Stocks & Shares Junior ISA | 0.15% platform fee + £1/month flat | £1 | Accepted |
| Bestinvest | Stocks & Shares Junior ISA | 0.2% platform fee | £50 or £50/month | Accepted |
| Wealthify | Stocks & Shares Junior ISA | 0.6% platform fee | £1,000 or £25/month | Accepted |
| J.P. Morgan Personal Investing (Nutmeg) | Stocks & Shares Junior ISA | 0.75% platform fee | £100 | Accepted |
Ownership & contributions
Who owns the money — and who can pay in?
Child owns the money Contributors do not retain ownership once money is paid in.
- A parent or person with parental responsibility normally opens the account for an eligible child under current rules.
- Parents, grandparents, other family members and friends may contribute where the provider allows payment arrangements.
- All contributions count towards the same annual Junior ISA allowance (£9,000 for 2026/27).
- Once paid in, contributions become the child’s money and cannot simply be taken back by the contributor.
Annual Junior ISA allowance for 2026/27: £9,000. This is separate from the adult ISA allowance — see the ISA hub.
Parents, grandparents, family and friends may contribute where the provider allows. All payments use the child’s allowance and become the child’s money. A Junior ISA may not suit you if you need the money before age 18, or if a contributor needs to retain ownership.
Choosing a Junior ISA
Cash or Stocks & Shares Junior ISA?
Cash Junior ISA
- Holds cash rather than investments
- No investment-market risk — interest rate may still change
- May suit shorter or lower-risk saving goals
- Eligible cash deposits may receive FSCS deposit protection subject to current eligibility and limits (currently up to £120,000 per eligible person, per authorised firm)
Stocks & Shares Junior ISA
- Holds eligible investments
- Capital is at risk — value can rise or fall
- Often used for longer time horizons
- Platform and investment charges may apply
Neither option is universally better. Consider the child’s time horizon and your tolerance for investment risk.
Age milestones
What happens at ages 16 and 18?
Management rights and withdrawal rights are different under current rules.
At age 16
- From age 16, the child may take control of managing the Junior ISA under current rules.
- Management rights are not the same as withdrawal rights — money is still normally locked until age 18.
- Provider processes for switching the registered contact may vary — check the provider’s terms.
At age 18
- At age 18, the Junior ISA normally converts to an adult ISA.
- The young adult generally becomes entitled to access the money, subject to provider terms.
- The money remains the child’s — parents and other contributors no longer control the funds once access applies under current rules.
Transfers
How Junior ISA transfers work
- Step 1
Choose a new Junior ISA provider
- Step 2
Ask the new provider to start the formal transfer
- Step 3
Existing provider sends cash and/or investments
- Step 4
New Junior ISA receives the transfer
- Use the formal Junior ISA transfer process via the receiving provider under current rules.
- Cash to Cash and Stocks & Shares to Stocks & Shares transfers are common; Cash to investment transfers may be possible where current rules and both providers permit.
- Transfer times vary; in-specie support and provider fees may apply.
- Some providers may not accept transfers in — check before starting.
Protection
How Junior ISA protection differs
FSCS does not work the same way for every Junior ISA balance. Eligible deposit protection (currently up to £120,000 per eligible person, per authorised firm) is not the same as protection against investment-market losses.
Cash Junior ISA
Eligible cash deposits may receive FSCS deposit protection subject to current eligibility and limits (currently up to £120,000 per eligible person, per authorised firm). Confirm the banking licence.
Stocks & Shares Junior ISA
FSCS may apply in certain firm-failure circumstances. It does not protect against normal investment losses or market falls.
FCA authorisation
Check the exact provider and activity on the FCA Register. Authorisation does not make investments risk-free.
Compare options
Junior ISA or another option?
- vs child savings account — Junior ISAs are normally locked until age 18; child savings may offer more flexible access. Neither is universally better. Compare savings.
- vs Premium Bonds — Prize-based NS&I savings with different access and return characteristics. Compare current NS&I rules before deciding.
- vs bare trust — Different legal ownership and tax treatment. This is general information, not personalised legal or tax advice.
How we compare and review Junior ISAs
Comparisons weigh JISA type, fees or AER, minimums, transfers, investment choice and FCA authorisation where checked. Commercial relationships do not determine factual guidance. Comparison Methodology.
- Cash JISA AER or rate type
- Platform / account fees and fund charges
- Minimum contribution
- Investment choice (funds, ETFs, shares where offered)
- Regular saving support
- ISA transfer support
- Ready-made vs DIY investing
- Mobile app / account management
- UK-focused editorial research
- Junior ISA rules checked against official UK Government guidance
- Provider fees, rates and features reviewed regularly
- Regulatory information reviewed where relevant
- Editorial independence — commercial relationships do not determine factual content
- Last reviewed:
- 16 September 2026
- Junior ISA rules last checked:
- 16 September 2026
- Provider data last checked:
- 16 September 2026
- Regulatory information last checked:
- 16 September 2026
Sources and further information
- GOV.UK — Junior Individual Savings Accounts
- HMRC
- Financial Conduct Authority
- FCA Register
- Financial Services Compensation Scheme
- MoneyHelper
Links are for further reading and do not imply endorsement.
Found an outdated Junior ISA rule, rate, fee or provider feature? Email contact@witfinancegroup.com. We review reported inaccuracies and update verified information promptly.
FAQs
Common questions about Junior ISAs
Educational answers based on current UK rules — not personalised advice.
Ready to compare Junior ISAs?
Review Cash vs Stocks & Shares options, fees and transfer support — then check GOV.UK before you open an account.
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