23rd September 2021

Everything you wanted to know about a Child’s ISA

We believe saving for your child’s future should be easy, foolproof and quick. This is why we offer a selection of Children’s ISA options for you, all managed online. So you can focus on the more important stuff like changing nappies and planning adventures. 

We’re here with a quick breakdown on everything Children’s ISA, what they are, why choose them and more – we’ve got you covered. Enjoy this bitesize overview, no fluff or jargon, just ISA facts and saving tips, you can even scan through it as you watch the latest Peppa Pig! 

What is the difference between a normal ISA and a Children’s ISA?

Not much, a Child’s ISA is the same in the fact it allows tax-free savings allowance that can be utilised for them for the tax year. The amount of course changes due to government guidelines each year, so it’s always worth checking as Child’s ISA’s are less than regular ISA limits.

Who is eligible for a Child’s ISA?

Any UK resident under 18 can have a Junior ISA. If your child was born between September 2002 and the 2nd January 2011 and you have begun saving for them, they will have a Child Trust Fund. This can be transferred into a Junior ISA with no problem, it will literally take a few minutes! 

Who can open a Child’s ISA?

Any parent or legal guardian can open an account in the child’s name. Once the account is open anyone can make contributions to it from family members to friends. All you need is a £10 deposit and you are good to go. It’s quick, easy and manageable online, simply follow the steps. 

What options do I have for a Child’s ISA?

We have four options that are all equally popular:

Actively managed:

Here you have a fund manager who makes the specific decisions for you, ensuring your investment objectives are met. They keep an eye on the market and overall manage the performance of your investment.

Low cost:

This option is where our investment team focuses on reducing costs to boost your returns. This is managed with a screening process,  ensuring that all the investments meet the ‘low cost, safe and suitable’ requirements.


With this Junior ISA, the money is responsibly invested in socially, ethical companies. We can provide a low down so you can see with full visibility.

Shariah fund:

A Shariah Investment is an ethical fund, governed by the requirements of Shariah law and the principles of the Muslim religion

We hope this overview has helped you grasp the main pointers of saving with a Child’s ISA. It really is a great investment into their future. If you would like more information on the Child’s ISA please don’t hesitate to get in contact today, we’ll be more than happy to help answer any specific queries you may have!

© The Children’s ISA Ltd 2022. All rights reserved.

The website and the information contained therein should not be regarded as an offer or solicitation to conduct investment business in any jurisdiction other than the UK. Past performance is not necessarily a guide to future performance and the value of your investment may fall as well as rise, and any income received in the form of dividends may fluctuate. You may not get back the full amount when the account is closed. If paying regular monthly contributions please bear in mind that if contributions are not maintained you will be less likely to achieve the investment amount that was originally projected.

The information on this website is not advice, it is provided solely to enable you to make your own investment decisions. The investments and /or investment services referred to may not be suitable for all investors.

The Children’s ISA Limited is authorised and regulated by the Financial Conduct Authority. (FCA No: 563043)
The Children’s ISA Limited is a company registered in England and Wales. Registered Company Number: 07486015

Registered Office: Unit 2, Digital Park, Pacific Way, Salford Quays, M50 1DR