All about Junior ISAs

Junior ISAs are designed as a tax efficient investment for children under the age of 16 years. They can be opened by parents and guardians on their behalf.


They have a lower limit compared to ISAs – £4,128 in this tax year (2017/18) and can be invested in cash or stocks and shares.


Post Office Money® Junior ISA is provided by OneFamily.

How do Junior ISAs work?

There are two types of Junior ISA and a child can have one or both of them:

Cash Junior ISA – a cash Junior ISA is similar to a bank or building society savings account, however, your child doesn’t have to pay tax on the interest they earn on their savings. 

Stocks and Shares Junior ISA – with these Junior ISAs, investments are made through a variety of ways in stocks and shares on the financial markets – effectively the money you invest will be put into things like businesses, equities (shares) and commodities (products – such as coffee).

Who can pay in to a Junior ISA?

Anyone can pay into a Junior ISA, as long as it doesn’t exceed the tax-free allowance each year. For example: if you’re a parent investing on behalf of a son or daughter, grandparents, uncles and aunts or friends can all make deposits after the account has been opened.

Who can withdraw the money?

When the child named on the account reaches 18 years old they’ll be able to access the money invested for them.

Junior ISAs available through Post Office Money

Post Office Money Junior ISA is provided by OneFamily.

ISA Products

Why this option

Rate Manage
Junior ISA
  • A stocks and share Junior ISA for tax-efficient savings for a child
  • Invest as little as £10 a month or a lump sum of £500
  • Invest in a stocks & shares Junior Saver for a child for at least 5 years

The value of stocks and shares can fall as well as rise and the child could get back less than has been paid in.

  • Online
  • By phone
  • By post

Find out more >


Post Office Money Junior ISA is provided by OneFamily. 

OneFamily is a trading name of Family Investment Management Limited and Family Equity Plan Limited, which are authorised and regulated by the Financial Conduct Authority. Registered in England and Wales. Registered numbers 1915516 and 2208249 respectively. Registered office: 16 - 17 West Street, Brighton, BN1 2RL.

Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc which is registered in England and Wales. Registered number 07022885. Registered Office: Bow Bells House, 1 Bread Street, London, EC4M 9BE.

Post Office Limited is registered in England and Wales. Registered number 2154540. Registered Office: Finsbury Dials, 20 Finsbury Street, London, EC2Y 9AQ. Post Office Money and the Post Office Money logo are registered trademarks of Post Office Limited.

The above details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website.