Junior ISA

  • Invest up to £4,080 in the 2015/16 tax year
  • Potential for higher returns: stock market linked

Post Office Money® Junior ISA is provided by Family Investments.

How it

Invest for your child’s future with a stocks and shares Junior ISA, provided by Family Investments.

The tax advantages of the Junior ISA depend on you and your child's individual circumstances and the tax treatment of Junior ISAs may change in the future.

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

The goal of the fund is long-term growth mainly through investment in UK and overseas shares and fixed interest investments.

It can be opened by parents and legal guardians on behalf of children under the age of 16, with a regular Direct Debit from as little as £10 per month or a lump sum of £500 or more. Alternatively, it can be opened with a transfer from either an existing Junior ISA or from a Child Trust Fund. 

There’s an annual management charge of 1.5% and other additional expenses of approximately 0.2% of the value of the fund.

  • The money can only be accessed by the child and only from the age of 18, potentially providing them with a financial head start in life. This is a medium to long-term investment and you should be prepared to invest for at least five years
  • Once the account is open, anyone can contribute to it by Direct Debit, bank transfer or cheque. The maximum contribution in this tax year is currently £4,080 minus any contributions to a cash Junior ISA.

The value of stocks and shares can fall as well as rise and the child could get back less than has been paid in. This Junior ISA is provided by Family Investments. Neither Family Investments nor Post Office Money is able to give you financial advice on the suitability of this product. If you have any doubts you should seek financial advice.

Over time, the cost of living will generally rise, which means the child won’t be able to buy as much in the future as they could today.

For more information, read our FAQs

You will receive two statements each year; one shortly before your child’s birthday and the other approximately six months from this date. You can also register for online statements or get an update over the phone

Is this right
for you?
Right for you if
  • You want a long-term investment and are happy to put money away for at least five years
  • You want to invest in stocks and shares for potentially higher returns
  • You want to open with a regular Direct Debit from as little as £10 per month or a lump sum of £500 or more
Try something else if
  • You want your child to have access to the money before the age of 18
  • You want a guaranteed return on your investment

Take a look at the other products that are available for children like Post Office Money Instant Saver and Growth Bonds


Find out more about the compensation arrangements available from the Financial Services Compensation Scheme. Find out how your savings are protected

Boots Gift
Voucher Offer

We’ll give you a £10 Boots voucher when you invest in a Junior ISA and set up a regular Direct Debit of £10. Up your Direct Debit to £20 or more and you’ll receive a £20 voucher.

Your voucher will be sent to you shortly after we receive your second Direct Debit payment. Gifts are usually received within 90 days of the date of your application.


0800: Calls to 0800 numbers are normally free from UK landlines and mobile phones. Calls may be monitored or recorded for training and compliance purposes.

Junior ISA: Junior Individual Savings Account

There are two types of Junior ISA: cash accounts and stocks and shares accounts.

Providing they are eligible, a child can hold a cash account, a stocks and shares account; or a cash and a stocks and shares account. A child can hold no more than one cash account and one stocks and shares account at any one time. You can invest up to £4,080 into a Junior ISA in the 2015/16 tax year (6th April to 5th April).

Tax-efficient: Returns will be free of UK income tax and capital gains tax.

Small print

Information correct as at 7 April 2015.

About Family Investments

Family Investments is a trading name of Family Investment Management Limited (Co. No. 1915516) and Family Equity Plan Limited (Co. No. 2208249), which are authorised and regulated by the Financial Conduct Authority. Registered in England and Wales at 16-17 West Street, Brighton, BN1 2RL, United Kingdom.               

About Post Office

Post Office Limited is an appointed representative of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Bank of Ireland (UK) plc is entered on the Financial Services Register and its Register number is 512956. Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc which is registered in England and Wales (No. 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.


Open a Junior ISA

Give us a call

0800 169 7500 9am-7pm, Mon-Fri
9am-12 noon, Sat
Closed Sunday and Bank holidays