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Junior ISA

Junior ISA

Invest up to £9,000 free from UK tax for your child's future

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 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.

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


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.

Why choose HL for your child's 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 190 awards, including Best Investment Platform 2021 from Your Money
  • 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

Easy to use online platform.



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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.

Contact us

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