Junior ISAs
Who can open and pay into a Junior ISA, the yearly limit and what changes at 16 and 18.
For information only, not financial advice.
Guides on Junior ISAs: who can open one, who can pay in, how the yearly limit works and what changes as a child reaches 16 and 18.
Quick answers
How much can be paid into a Junior ISA?
In 2026/27, up to £9,000 can be paid in for each child, in total across their Junior ISAs.
When can the money be taken out?
The child can take control of the account at 16 but cannot take money out until they turn 18, when the Junior ISA becomes an adult ISA. gov.uk sets out exceptions if the child is terminally ill or dies.
Rules data last checked against gov.uk on 26 September 2026. For information only, not financial advice.
Tools for this topic
Guides
- How Does the Junior ISA Allowance Work in the UK?
How the Junior ISA allowance works: who can open one, who can pay in, Cash and Stocks and Shares options, withdrawals, and a worked example.
- Who Can Open and Pay Into a Junior ISA?
Who can open a Junior ISA, who manages it, who owns the money, and how the yearly limit, Child Trust Fund rule and withdrawal rules work.
- Junior ISA at 16 and 18: What Changes and When
What happens to a Junior ISA when the child reaches the control age and the withdrawal age, with an age-by-age table and questions to ask the provider.
- Transferring a Lifetime, Junior or Stocks and Shares ISA
How transfers work for Lifetime, Junior and Stocks and Shares ISAs, how they differ from a Cash ISA transfer, and what to ask a provider before moving money.
See also the ISA rules at a glance, the ISA glossary and all topics.