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Important information - Investments can go down in value as well as up in your child's Junior ISA, so your child could get back less than you invest. The information on this page isn't personal advice - if you’re not sure if an investment is right for you or your child, please ask for advice. ISA tax rules can change and their benefits depend on individual circumstances.

What is a Junior ISA?

A Junior Stocks and Shares ISA is a tax-efficient investment account for children under 18.

Any parent or legal guardian can start an HL Junior ISA for their child, and even family and friends can add money as well.

When your child turns 18 they will get access to the money - it could help give them a head start on university fees, their first home or a future nest egg.

In this video, we explain the key benefits of using a Junior ISA and how you can invest for your child's future.

Invest up to £9,000 this tax year

How much can I invest?

Each tax year (6 April to 5 April) there’s a limited amount of money you can put in a Junior ISA.

This tax year the Junior ISA allowance is £9,000.

Tax rules for ISAs can change and their benefits depend on individual circumstances.

HL Junior ISA charges

The annual charge for holding investments in an HL Junior ISA is never more than 0.45%. Your dealing and other charges will depend on the investments you choose.

See all HL Junior ISA charges

ANNUAL 0.45% ACCOUNT CHARGE

Open an HL Junior ISA

Once you've decided to open a Junior ISA, it takes less than five minutes to get started. You'll just need a debit card and your national insurance number to hand, as well as the child’s national insurance number (if they have one). Remember that all investments can go down as well as up in value, so your child could get back less than you put in.

Open a Junior ISA

Your child is eligible if they're a UK resident, under 18 and don't already have a Junior Stocks and Shares ISA or Child Trust Fund. If they do, you'd need to transfer instead.

You can open an account from £100 or as little as £25 per month.

Transfer a Junior ISA or Child Trust Fund

If your child already has a Child Trust Fund or Junior ISA, it's easy to transfer to an HL Junior ISA.

Join over 150,000 clients already using the HL Junior ISA

  • Security - we're a FTSE 100 company, trusted by over one million clients
  • UK-based helpdesk - speak to our client support experts if you have any questions
  • Family-friendly - it's easy to link and manage all your family's accounts in one place
  • Award-winning - we've won over 200 awards, including Best Investment Platform 2021 from the Your Money Awards, and Best ISA Provider 2021 by Money Age Awards
  • Expertise - investment ideas from our expert analysts

Junior ISA investment options

With an HL Junior Stocks and Shares ISA, you can choose investments for your child.

  • Over 3,000 funds
  • UK and overseas shares
  • Investment trusts, bonds and exchange-traded funds (ETFs)

Explore more Junior ISA investment ideas

Frequently asked questions

  • What is a Junior ISA?

    A Junior ISA is an Individual Savings Account (ISA) for a child under 18. There are two types of Junior ISA. With a Junior Cash ISA you can save cash for your child. With a Junior Stocks and Shares ISA you can invest for your child. Like all ISAs, money in a Junior ISA is free from UK Income and Capital Gains Tax. Tax rules can change and benefits depend on personal circumstances.

    Your child can have one or both types of Junior ISA, but not more than one of each type. Only your child can take money from their Junior ISA, and only after they turn 18.

    We offer a Junior Stocks and Shares ISA, which we’ll convert into a regular Stocks and Shares ISA for your child when they turn 18.

  • What is the Junior ISA allowance?

    In the 2022/2023 tax year, the Junior ISA allowance is £9,000. The deadline to add money each tax year is midnight 5 April.

  • Who is eligible for a Junior ISA?

    You can start a new HL Junior Stocks and Shares ISA for your child if they are a UK resident, under 18 years old, and don’t already have a Child Trust Fund or Junior Stocks and Shares ISA elsewhere.

    If your child has a Child Trust Fund or Junior Stocks and Shares ISA elsewhere, you'll need to transfer their ISA rather than starting a new one.

  • What’s the minimum I need to start an Junior Stocks and Shares ISA?

    You can open an HL Junior Stocks and Shares ISA from £100, or with a monthly Direct Debit from £25 a month.

More Junior ISA FAQs

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ISA PROVIDER OF THE YEAR 2021
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BEST APP 2022
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BEST FOR CUSTOMER SERVICE 2022
Boring Money Best Buy Awards

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Help and support

If you have any questions about the HL Junior ISA, you can speak to one of our client support experts by calling 0117 900 9000.

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