Who actually controls a Junior ISA When considering opening a Junior ISA on behalf of your child, it’s important to know the rules. The money in a Junior ISA legally belongs to the child. However, until a child turns 18, the investment choices and general management of the ISA belong to a parent or guardian…

Most grandparents who are able to contribute to a Junior ISA (JISA) aren’t doing it for one child. Some grandparents could be paying into two, three, or more and across different families, i.e. their son or daughters-in-law. The practical challenge then for a grandparent isn’t ‘can I contribute to my grandchild’s Junior ISA’; more often…

What happens at 18 If the named individual doesn’t access a Junior ISA by the time they turn 18, the funds in the account will not be forfeited. It stays exactly where it is. The fund will still be invested and fully owned by the young person, but it will be inaccessible until they verify…

Most guides compare a Junior ISA against a children’s savings account. That’s not actually the choice a lot of parents are weighing. If you’ve got money left in your own £20,000 ISA allowance, the real question is simpler: open a Junior ISA for your child, or just put the extra away in your own ISA…

The first year with a new baby moves in two speeds at once. Some days feel endless, with broken sleep and a newborn stage that seems to stretch forever. And then, almost without warning, you look at the tiny outfit they wore home from the hospital, and it no longer fits. Growth, in those early…

Choosing the best Junior ISA for your child isn’t just about finding the top rate on a comparison table. It’s about picking the right type of account for how you actually want to save, who else in the family wants to contribute, and what happens when your child eventually gets access to the money. We’ve…

If you’re a grandparent wondering whether you can pay into a grandchild’s Junior ISA, the short answer is yes, but with an important catch: you can’t open one yourself, and you can’t manage it either. That distinction trips up a lot of people, and it’s one of the most common questions we see asked about…

What is the best Junior ISA for your child in 2026? Here at the Children’s ISA, we would like to think it’s us. But what if you haven’t considered a Junior ISA (JISA) before? How would you know where to start? So rather than obsess with tables and interest rates, we thought we would break…

New parents tend to have a lot on their plates, and saving for a newborn may come lower down the priority list, if it’s on the list at all. But if new parents are considering investing in their new child’s future, the question many will ask themselves is should I start a child’s savings account…

Grandparents can pay into their grandchild’s Junior ISA, but they can’t open or manage one themselves. Only parents (or guardians) can manage or apply for a Junior ISA. However, grandparents are often one of the biggest contributors to a grandchild’s ISA, and in this piece, we’ll explore the contribution limits for the child and the…