What is a Junior ISA?
Do you want to give your child a head start in life when they turn 18? Then the Junior Individual Savings Account – or JISA – could be what you’re looking for.
You’ll pay no income or capital gains tax on any returns you earn. It’s a highly tax-efficient way to put money away for your loved ones.
You can open an account today so long as you’re the parent or legal guardian. And your child gets access to the money as soon as they turn 18.

How could your child's money grow?
It’s simple. Your JISA money goes into funds that track the performance of companies around the world. When they do well, your money goes up, like any other investment.
Of course, all investments rise and fall in value. While they trend towards a profit in the long-term, you could lose money in the short term and get back less than you put in.
That’s why we encourage you to hold your JISA for a minimum of five years. This gives your child the best chance to collect tax-efficient profits when they turn 18.
Make sure you take advantage of your £9,000 JISA allowance for the 2020/21 tax year while you can. The sooner you pay in, the sooner you could see a return on your money.
Why invest with a Wealthify Junior ISA?
If you want to invest for your child's future, but aren’t sure where to start, our Wealthify Junior ISA could be the answer.
- You're in control
Simply choose the investment style that suits you best, from cautious to adventurous. And you can put your money into both Original and Ethical plans as you see fit. - Simple transfer
We’ll help you move your money from an existing Child Trust Fund or JISA into a Wealthify JISA. All you need to be is the registered contact for the account. - Managed for you
Your money is looked after by Wealthify’s investment managers who monitor your plan and decide where to invest your money. So you don’t need to be an expert to get started.
- Affordable investing
Top up as much or as little as you like, when you like. You can invest lump sums or regular monthly amounts up to the annual Junior ISA allowance limit of £9,000 for the 2020/21 tax year. - Award-winning
You’ll be in the hands of an award-winning team. Wealthify won seven awards in 2019 including the Personal Finance Awards ‘Best JISA’, Defaqto’s 5-Star Rating and Boring Money’s Best Buy for investing.
What will you pay?
You work hard for your money and don't want to spend a fortune on costs. So with Wealthify, you only pay one simple fee.
While your total investment values will fluctuate month to month, here's an example of what your first month's charge could be if you invested £750.
The first month’s charge would be only £0.52:
Wealthify fee 0.6% | £0.38 |
Original plan average investment costs 0.22% | £0.14 |
Just £0.52 - less than the price of a chocolate bar.
By the way, average investment costs for ethical plans are 0.66%. You can log into your account any time to check up on your exact charge.
Am I eligible?
You can open a new Junior ISA on behalf of a child if:
- Your child lives in the UK
- You're the child's parent or guardian
- You transfer any money in an existing Junior Stocks and Shares ISA or Child Trust Fund into your new Wealthify JISA
Start investing today
Try out Wealthify’s build a plan feature and see how your money could perform over time.
Looking for something else?
There's more than one way to make your money work harder. Here are a few other ways you can do it with us.
Want to learn more about investing before you start?

Our Investment Knowledge Hub
The world of investments can feel a bit daunting at first. That's why we set up our knowledge hub to teach you the basics before you get started, so you feel confident and ready to go.
You’ll learn what an ISA is, the different types of investment fund, how to navigate the risks and rewards of the stock market and more.
Contact us
Still need some help? Give Wealthify a call.
Monday to Friday: 8:00am - 6:30pm
Saturday: 9:00am - 12:30pm
For our joint protection, telephone calls may be recorded and/or monitored and will be saved for a minimum of 5 years. Calls to 0800 numbers from UK landlines and mobiles are free.
Your investments
This is not a personal recommendation. If you need a personalised recommendation based on your personal circumstances, you should seek financial advice. Your money will be invested in low-cost funds carefully selected by Wealthify, each containing a diverse range of investments such as stocks, bonds and property. Fund provider fees are between 0.12% and 0.22% a year for the Original portfolios, or between 0.32% and 0.84% a year for Ethical portfolios.
Your privacy
If you click through to Wealthify, we’ll share some of your personal information with them so that you can receive the offer and to help fill out any forms in case you want to apply. To see how we take care of your data, visit here. For information on how Wealthify process your data, check their website.
Wealthify and Aviva
Wealthify is part of the Aviva group of companies and is authorised and regulated by the Financial Conduct Authority. Aviva UK Digital Limited acts as an introducer to Wealthify Limited for ISA and General Investment Accounts. The underlying investment management services are provided by Wealthify Limited, not Aviva UK Digital Limited.
Aviva UK Digital Limited is registered in England No. 09766150. Registered office: St Helen’s, 1 Undershaft, London EC3P 3DQ. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 728985. Aviva UK Digital Limited and Wealthify Limited are subsidiaries of Aviva Group Holdings Limited.
Wealthify and you
This offer is being made to you without regard to your specific investment objectives, financial situation or particular needs and therefore this offer doesn’t imply that Wealthify is suitable for you, and isn’t a personal recommendation of any kind. If you’re unsure about investing and need advice, have a chat with our Advice Support Team who will put you in touch with a financial adviser. Call us on 0800 092 8215 or visit aviva.co.uk/advice