1. Overview

Junior ISAs are long term, tax-free savings accounts for children.

Who can get a Junior ISA

Your child can have a Junior ISA if they:

Your child can’t get a Junior ISA if they’re eligible for a CTF account.

How Junior ISAs work

There are 2 types of Junior ISA:

  • a cash Junior ISA, ie you won’t pay tax on interest on the cash you save
  • a stocks and shares Junior ISA, ie your cash is invested and you won’t pay tax on any capital growth or dividends you receive.

Your child can have 1 or both types of Junior ISA.

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