Junior Stocks & Shares ISA - Open a Junior ISA Online

What is a Junior ISA?

A Junior Stocks and Shares ISA is a tax-efficient investment account designed to help you invest for a child’s future. Instead of simply putting money aside in a Cash Junior ISA, a Junior Stocks and Shares ISA invests in a wide range of assets—giving you the potential for higher long-term growth, all under the annual tax-free allowance. By opening one on behalf of a child under 18, you’re harnessing the power of compounding to build a nest egg they can access, tax-free, at 18.

Why choose a Junior ISA?

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Give your child a big financial head start

The earlier you invest, the more time you give their wealth the chance to grow.

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Tax-free investing

Build their wealth tax-efficiently with a £9,000 tax-free allowance every year.

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Socially responsible

Opt for a socially responsible JISA with investments that support a positive impact on society and the planet.

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Gift contributions

Allow family and friends to contribute to your child's financial future.

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Free transfers

Easily transfer existing Child Trust Funds or other JISAs to Moneyfarm.

A Junior ISA could be right for you if…

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You want to save or invest for a child’s future in a tax-efficient way
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You’re comfortable with the money being locked away until the child turns 18
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You want flexibility in how much you contribute, from small amounts to larger sums
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You’re interested in potential higher returns through stock market investments
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You want to involve family and friends in contributing to the child’s future

Get started

How our pricing works.

Management fees are charged on your invested amount. You’ll also incur average fund costs (around 0.16% per year) and market spread effects (up to 0.05% per year).

Actively managed

0.45%

Actively managed

0.10%

Actively managed

0.10%

Actively managed

No fees

Fixed Allocation

0.15%

Liquidity+

0.05%

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Platform fee

The platform fee applies to all Wealth assets combined. VAT included where applicable.

All managed portfolios (Min £1.25/month)

0.25%

How do they perform?

Explore the performance of our portfolios over time. View overall trends and the performance for specific years.

What we invest in.

Explore the full asset breakdown of our seven portfolios – from lower risk to higher risk – by asset type, sector and geography. Use the toggle to switch between Classic and ESG portfolio types.

With our Thematic Investing option, you can add growth themes to your portfolio to invest in megatrends like technological innovation, sustainability and changes in society.

Discover the untapped potential of your wealth when you invest with us.

Simply input how much you’re thinking of investing initially, how much you might contribute regularly, and for how long.

Amount to invest

£20,000.00

Investment product

Management style

Focus

Thematic investment option

Moneyfarm fees

(What you pay us)

0.70%

£11.67/month

Our management fees

0.45%

£7.50/month

Our platform fee

0.25%

£4.17/month

Instruments costs (Fund fees + Spread)

up to 0.21%

£3.50/month

Total estimated costs

up to 0.91%

£15.17/month

Costs breakdown

You won’t pay

Entry and exit fees
Withdrawal
Top-ups

Guidance that grows with you.

From digital advice to one-to-one support with a Dedicated Qualified Wealth Manager, our Wealth tiers are designed to give you the right level of guidance as your investment needs grow.

Discover wealth tiers

Get started in 3 simple steps.

Choose an investment solution or let our questionnaire guide you.
Discover the option best suited to your objectives and needs.
Start your investing journey with our experts by your side.

Get started

Investments can go down in value as well as up, and you may get back less than you put in. See our full risk disclosure for details.

Transfer your Cash ISA

By making an investment, your capital is at risk. The value of your Moneyfarm investment depends on market fluctuations outside of our control and you may get back less than you invest. Past performance is no indicator of future performance. The tax treatment of a Moneyfarm Stocks and Shares ISA and a Moneyfarm Pension depends on your individual circumstances and may be subject to change in the future. You should seek financial advice if you are unsure about investing.

Registered office: 90-92 Pentonville Road, London N1 9HS | Registered in England and Wales Company No. 09088155 | Telephone number: +44 (0)20 3745 6991 | VAT No. 467458154

Moneyfarm is a trading name of MFM Investment Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA Firm Reference Number: 629539)

Authorised and regulated by the Financial Conduct Authority as an Investment Advisor and Investment Management Company - Authorisation no. 629539

This company meets high standards of social and environmental performance, transparency and accountability.

Moneyfarm uses an encrypted connection to protect your data.

Frequently Asked Questions.

What is the Junior ISA allowance?

The Junior ISA allowance is £9,000 per child per tax year (for 2024/25).

Who can contribute to a JISA?

Anyone, including parents, grandparents, friends, or family can contribute on behalf of the child, so long as the total contributions don't exceed the annual JISA limit.

What happens when your child turns 18?

Once your child turns 18, their JISA will be put on hold. All the child simply needs to do is create a Moneyfarm account, open an ISA portfolio, and get in touch with us. We’ll migrate their funds from their JISA portfolio to their very own adult ISA portfolio. While the JISA remains on hold, Moneyfarm will continue to manage, rebalance, and apply fees, however, we can’t accept any new contributions (either one-off or recurring), or make any transfers until it has been migrated to an ISA.

Can I transfer a JISA?

Yes - you may transfer Cash JISAs, Stocks & Shares JISAs, and Child Trust Funds to Moneyfarm.

Can my child manage their JISA from the age of 16?

Moneyfarm don’t currently accept customers under the age of 18, so unfortunately we can’t onboard 16--year-olds. Your child will have to wait until they are 18 years old to become the registered contact.

Can I withdraw money from a JISA?

The money in a Junior ISA belongs to the child in all but exceptional circumstances. They cannot withdraw the money until they’re 18 years of age.

How much can you pay into a JISA?

As of the 2022/2023 tax year, the annual allowance, or limit, for a JISA is £9,000. Your JISA allowance resets at the start of each new tax year. The tax year ends on 5th April and your allowance, or any unused portion of it, doesn’t carry over to the next tax year, so if you don’t want to lose it, you should use it. Please note, tax treatments depend on your individual circumstances and may change in the future.

Who can open a JISA?

As long as you’re a Moneyfarm client, and a parent or legal guardian with parental responsibility, you are eligible. In addition, your child must be both:

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under 18 years of age
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and a UK resident

However, if your child lives outside the UK, they can open a Junior ISA if both of the following conditions apply:

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you, as the Moneyfarm client, are a Crown servant (in the UK armed forces, diplomatic service, or overseas civil service)
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your child depends on you (the Moneyfarm client) for their care

Is there a minimum investment amount?

Yes - Moneyfarm has a minimum one-off investment of £500, which is the same as our minimum threshold for other products, and a minimum monthly contribution of £10.

Risk level:

ESG option:

Portfolio 1 composition

Cash & short-term Gov. Bonds
39%
Includes short-term financial instruments. These investments are considered very low risk as they are easily tradable and have short time horizons. E.g. Sterling Cash Products.
Developed Markets Gov. Bonds
14.4%
Includes bonds issued by developed countries such as the UK, US and Europe. These bonds are generally considered lower risk than other bond and equity investments.
Inflation Linked Bonds
5.5%
Developed countries bonds tied to inflation. They offer protection against inflation, their performance is linked to expected inflation rate changes and interest rate changes.
Investment Grade Corporate Bonds
21.6%
These are bonds issued by companies with a strong credit rating. The rating is used to determine the risk profile of the company and Investment Grade bonds are considered the safest within the corporate space.
High-Yield & Emerging Markets Bonds
17.5%
Includes government bonds of developing countries and riskier corporate bonds. These bonds tend to have lower credit ratings than Investment Grade Bonds but can offer higher potential returns.
Cash
2%
Cash is the amount of money that you need to leave in the account to deal with transactions, tax and management fees. Generally, it will be approximately 2-3% of your portfolio.

Risk level:

Lower risk

Higher risk

Portfolio 7 performance

Start date

112016

All time

Annual average

Junior Stocks and Shares ISA.

What is a Junior ISA?

Why choose a Junior ISA?

A Junior ISA could be right for you if…

How our pricing works.

Platform fee

How do they perform?

What we invest in.

Discover the untapped potential of your wealth when you invest with us.

Guidance that grows with you.

Frequently Asked Questions.