Filling in the application takes about 10 minutes.
Before opening a Junior ISA, you should be:
Comfortable choosing your own investments on behalf of your child
Confident making long-term investment decisions
Free from significant debt (other than a mortgage)
Clear on our charges and the tax benefits of a Junior ISA
Over the age of 18
Applying on behalf of a child under the age of 18 as someone with parental responsibility for that child
Applying on behalf of a child who is UK resident for tax purposes
If you’re not sure which investments are right for you, please ask us about
. There's no personal advice on our website.
If you don’t have the time or confidence to choose your own investments, an expert financial adviser could help you.
Financial advisers are highly qualified and regulated. They’ll take the weight off your shoulders and make personalised investment recommendations, matched to your needs and circumstances.
Learn more about investment advice
To apply for an HL Junior ISA online you must be a UK resident, if you are not resident in the UK please contact us for more information.
What you need to know before opening a Junior ISA
Investments can go up and down in value so your child could get back less than is put in.
Tax rules for Junior ISAs can change, and their benefits depend on your and your child's circumstances.
Once money is in the HL Junior ISA, the money can’t usually be taken out until the child’s 18th birthday.
Your child can only have one Junior Stocks and Shares ISA and one Junior Cash ISA at any one time. A child cannot hold a Child Trust Fund and a Junior ISA at the same time.
What you need to have to hand
Your National Insurance number, and your child’s if they have one. You can find this on your National Insurance card, a benefit letter, payslip or P60.
Your debit card details, if you’d like to open a Junior ISA with a lump sum. The minimum amount is £100.
Your bank details, if you’d like to set up a Direct Debit into a Junior ISA. The minimum monthly amount is £25.
By agreeing to the declarations below, you are entering into a contract to open an HL Junior Stocks and Shares ISA (‘HL Junior ISA’) for the tax year 2025/26. This declaration will also cover any future tax years that you choose to make a subscription to the Junior ISA.
Declarations
To open an HL Junior ISA with us, you must read and agree to the following declarations. If you do not agree with any of the declarations below, you should not proceed with opening a HL Junior ISA.
If you are a parent or guardian opening an account on behalf of a child, you declare that:
You are 18 years of age or older;
You have parental responsibility for the child you want to open the HL Junior ISA for;
You will be the registered contact for the HL Junior ISA;
The child that you are opening the account for is resident in the UK, or is a UK Crown servant, a dependant of a UK Crown servant or is married to/in a civil partnership with a UK Crown servant;
The child that you are opening the account for does not, and will not, have an active Child Trust Fund while the HL Junior ISA is open;
You, or any other individual contributing to the HL Junior ISA, have not, and will not, subscribe more than the overall subscription limit (the £9,000 annual Junior ISA limit); and
You, or any other individual contributing to the HL Junior ISA, have not, and will not make, any payments for the tax year 2025/26 to another Junior ISA for the child.
Your authorisation
We also require the following authorisation from you to manage your account operationally. By continuing with the HL Junior ISA application process, you authorise us to:
Hold the subscriptions, Junior ISA investments, interest, dividends and any other rights or proceeds in respect of those investments and cash;
To make any claims to relief from tax in respect of the Junior ISA investments; and
Create and maintain a written record of your application.
A quick reminder
Please make sure that all the information you provide in this application is accurate to the best of your knowledge as it will form the basis of the contract between you and HL. By completing this application, you confirm that the information provided is correct to the best of your knowledge and belief.
Your personal data will remain confidential and will not be passed to any other organisation unless required to do so by law.