
Junior ISA
Make the most of this year’s £9,000 Junior ISA allowance
Open a Junior ISA Transfer to a Junior ISA
Top up a Junior ISA Open a Junior ISA Transfer to a Junior ISA
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 financial advice. Junior 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 returns are free from UK income and capital gains tax.
Any parent or legal guardian can start a 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.
How much can I invest in a Junior ISA?
In the 2023/2024 tax year (6 April to 5 April) there’s a limited amount of money you can put in your child's 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
Enjoy better value family investing with the HL Junior ISA.
We’ve removed our account charges, including online share dealing commission, so that more of what you pay in will benefit the child. Depending on where you invest, other charges could still apply.
The kids can
now go free

Junior ISA investment options
To open a Junior ISA for your child you will need to know what to invest the money into. With us, you're free to choose your own investments (including funds, shares, bonds and more), pick a ready-made portfolio or you can pay a financial adviser to choose investments for you.
- Ready-made investments
- Over 3,000 funds
- UK and overseas shares
- Investment trusts
- Bonds
- Exchange-traded funds (ETFs)
Think about a Junior ISA if:
- You want to save or invest tax-efficiently for your child’s future, without impacting your personal ISA allowance
- You want to give your child a head start when they turn 18
- You want to transfer money away from an existing Child Trust Fund or Junior ISA
Think about alternatives to a Junior ISA:
- You want to save more money for your child than the Junior ISA allowance allows (£9,000 per year)
- You need to access the money sooner than your child’s 18th birthday
- You want control over how your child uses the money once they turn 18
- You want to keep the money in a Child Trust Fund – your child can only have a CTF or a Junior ISA, not both
How to open a 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.
Two simple ways to start a Junior ISA
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 a Junior ISA 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 and the largest investment platform in the UK for private investors, with £127 billion in assets under administration, and trusted by over one million clients
- UK-based helpdesk - speak to our customer support team 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
-
Expertise - investment ideas for Junior ISAs from our expert
analysts
- Personalised financial advice - for extra help planning and investing for your child's future, you can pay for flexible financial advice
Easy, consistent and prompt.MR BIRDSALL, Tadcaster
Learn more about Junior ISAs
Fast, efficient and professional service.
MR THOMPSON, Hampshire
Awards
SHARE DEALING CATEGORY 2023
Finder Customer Satisfaction Awards
BEST APP 2023
Boring Money Best Buys Awards
BEST ONLINE STOCKBROKER 2022/2023
The Personal Finance Awards
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.