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Kids ISA

The Very Latest Junior ISA Rates
Junior ISAs

One Family Ethical Junior ISA

from OneFamily

Regular Savings
  • Investment Options: From £10 a month

Apply online and receive a £30 Amazon e-voucher (T&C’s apply – see OneFamily website for details). Fully managed investment fund - Family Charities Ethical Trust Fund, which only buys shares in companies with a responsible outlook on social, ethical and environmental issues. You choose how much you want to pay in, and when. From £10 to £355 a month up to £4,368 in the 2019/20 tax year. Easy to manage: 24/7 Online Account Management and a friendly UK based call centre. Transfers from cash or stocks and shares Junior ISAs or exisiting child trust funds accepted, with a value of at least £500. Winner of the 2016 Moneyfacts Award for Best Junior ISA Provider.

One Family Junior ISA

from OneFamily

Regular Savings
  • Investment Options: From £10 a month

Apply online and receive a £30 Amazon e-voucher (T&C’s apply – see OneFamily website for details). Choice of two managed investment funds - Family Balanced International Fund or Family Charities Ethical Trust Fund. You choose how much you want to pay in, and when. From £10 to £355 a month up to £4,368 in the 2019/20 tax year. Easy to manage: 24/7 Online Account Management and a friendly UK based call centre. Transfers from cash or stocks and shares Junior ISAs or exisiting child trust funds accepted, with a value of at least £500. Winner of the 2016 Moneyfacts Award for Best Junior ISA Provider.

My Select Junior ISA

from Scottish Friendly

Regular Savings
  • Investment Options: Invest from £10 a month or a £50 deposit

Why we like it: Invest tax-free from £10 a month or a £50 lump sum — or a mix of both. You can raise, lower, stop and restart your payments any time you like. Offers a selection of eight funds to choose from, so you can tailor your child's investment.

Junior Stocks and Shares ISA

from Hargreaves Lansdown

Regular Savings
  • Investment Options: Invest from £25 per month or deposits of £100.

Why we like it: Invest for your child from £25 pm tax free. A wide range of top performing funds to choose from. The annual charge for holding investments in a Hargreaves Lansdown Junior ISA is never more than 0.45%. Your dealing and other charges will depend on the investments you choose.

Kids ISA

Kids ISAs, also known as Children’s or Junior ISAs are a great tax-efficient way to save for your children’s future. Launched in November 2011 by the Government, they offer easy tax-free savings and investments. Each child is able to have one Cash ISA and one Stocks and Shares ISA at any time. Transfers are permitted between cash and stocks and shares Junior ISAs, or to another Junior ISA provider.

Kids ISA rules

  • The child must not already hold a Children's Trust Fund (CTF) account but you are able to transfer in to an ISA from a CTF
  • The child can have both a Junior Cash ISA and a Junior Stocks and Shares ISA in any given tax year, as long as the total amount invested during the year is no more than the annual allowance
  • If the child is under 16 someone with parental responsibility must open the Junior ISA
  • Funds in the account will be owned by the child it is opened for and will be locked in until the child reaches 18, the child assumes full responsibility of the account once their 18
  • Anyone can contribute to a child’s account at any time up to the annual limit
  • All contributions to a Junior ISA are a gift to the young person and cannot be returned to the contributor later if they subsequently change their mind.

Advantages of a Kids ISA

Junior ISAs provide parents, friends and family members with a convenient, tax-efficient way to save for a child's future. An added advantage is that the money saved in a Junior ISA stays tax-free once the child reaches the age of 18.

Who Can Open a Kids ISA?

One ISA can be opened per child and can be opened by anyone with parental responsibility over the child. Management of the ISA passes to the child when they turn 16. However, funds remain inaccessible until the child turns 18, after which they can either withdraw the funds, or have their account roll over into an adult ISA. The child assumes full responsibility of the money at 18, which could prove problematic if you have a specific savings goal in mind.

What are the Advantages of Kids ISAs?

  • Kids ISAs provide parents, friends and family members with a convenient, tax-efficient way to save for a child's future
  • The money saved in a Kids ISA stays tax-free once the child reaches the age of 18
  • The money is locked away until the child turns 18
  • If you want to save an annual amount for your child that generates over £100 in yearly interest, a Kids ISA ensures that this interest isn't taxed

Overall, Kids ISAs are a sensible way to start saving for your child. The one potential disadvantage being that the child assumes responsibility of the money once they’re 18 which could be a problem if you had something specific in mind for the savings. In which case, a savings account in your name may be a better option.

Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

High Income ISAs

High income ISA ideas:

ISAs Products

Cash ISAs

Fixed Rate & Instant Access ISAs:

Cash ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

How much can I pay into an ISA?

21st March 2019

Each tax year, there's a limit set by the government to the amount you can save and invest in ISAs: your “annual ISA allowance”. The allowances are intended to reward savers and encourage us to invest more to support our future retirements, without creating a tax haven that can be taken advantage of by very wealthy individuals who just want to avoid paying tax.

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