Junior ISA
A Junior ISA (JISA) is a tax-free savings or investment wrapper for under-18s. The 2025/26 annual subscription limit is £9,000 per child, and the funds are owned by the child once they turn 18.
Cash JISA vs Stocks & Shares JISA
A Cash Junior ISA pays interest tax-free. A Stocks & Shares Junior ISA can hold the same investments as an adult ISA. A child can hold one of each at the same time, but the combined contributions cannot exceed the £9,000 annual cap.
Why it matters
JISA contributions grow tax-free for 18 years, long enough for compounding to substantially outpace a comparable taxable account. From age 18 the child gains full control and can either withdraw the funds or roll them into an adult ISA.
- £9,000 annual contribution cap per child (2025/26)
- Funds are locked until the child's 18th birthday
- Open to UK residents under 18 without an existing Child Trust Fund
- No income or capital gains tax on returns
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