Invest in your child's future with a GoHenry Junior ISA

We all want our kids to succeed in the future. Whether that's university, exploring the world or buying their first home—a GoHenry Junior Stocks and Shares ISA is a great way to try to grow a pot of money for your child.

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You need to be a GoHenry member to open a Junior ISA

Capital at risk. Tax treatment depends on an individual's circumstances and is subject to change.

Junior ISA

As your kids build money skills, you’re building their future

Junior ISA
  • Invest from as little as £1
  • Your child's funds are managed in one place
  • Contribute what you can afford each month
  • Kids spend, save, earn, give and learn how to manage money with a prepaid debit card and app
  • You stay in control with real-time updates and spending controls
  • Money is held for your child until they turn 18
Junior ISA
Junior ISA

Who can open a Junior ISA

A GoHenry Junior Stocks and Shares ISA can be opened by parents or guardians of kids under 16 who live in the UK.

A world of opportunity is waiting for your child—so let's get started

Join GoHenry with 1 month free—on us!

Open a Junior ISA with just £1

Contribute up to £9,000 tax-free in

Create a nest egg for when they turn 18

Sign up today

Capital at risk. Tax treatment depends on an individuals' circumstances and is subject to change.

Compare investing vs saving

Junior Stocks and Shares ISA Junior Cash ISA Regular savings account1
Growth 5% on average2 2-3%2 2.5-3.5%
Risk Medium to High Low Low
Returns Capital growth and/or dividends Interest Interest
Access When a child turns 18 When a child turns 18 Anytime
Tax free Yes Yes No
FSCS Protected3 Up to £85,000 Up to £85,000 Up to £85,000

Your questions, answered

What is a GoHenry Junior ISA?

A Junior ISA (Individual Savings Account) is a long-term and tax-efficient way to try to grow a pot of money for your child. Open the account with as little as £1, and the money will be held until your child’s 18th birthday. Plus, when investing in Junior Stocks and Shares ISA (JISA) for your child, the taxman won’t touch the returns from the investment – it’s free from income tax and capital gains tax, up to £9,000 per tax year (for the tax years).

Already have a Junior ISA or Child Trust Fund for the tax year? Transfer it to GoHenry and manage all your child’s funds in one place! Only one Junior ISA can be opened and contributed to in a tax year.

Learn more in the GoHenry app! Click here to read our article on the basics of a Junior ISA, or open your GoHenry app and tap 'Money', then 'Junior ISA'.

Have any other JISA questions? Contact our dedicated Junior ISA team at [email protected].

How do I set up a GoHenry Junior ISA?

To set up a GoHenry Junior Stocks and Shares ISA, please log in to your app and select 'money', 'Junior ISA' to find out more and start your application. You’ll need to be the legal guardian of the child and a tax resident in the UK. Unfortunately, we cannot offer our Junior ISA to citizens of the United States.

How is my Junior ISA money invested?

Your money is invested with Vanguard (the fund Manager) in their Lifestrategy 60% equity fund, which is composed of stocks and bonds. Read more in the GoHenry app here.

What is GoHenry’s Junior ISA interest rate?

There are two kinds of Junior ISAs: a Junior Cash ISA and a Junior Stocks and Shares ISA. Both come with tax benefits. Junior Cash ISAs earn interest while Junior Stocks and Shares ISAs offer capital growth and dividends.

Our Junior ISA is a Junior Stocks and Shares ISA, which means there is no associated interest rate.

While riskier than cash investments, stocks and shares investments are seen as a long-term venture. Patience is needed to ride through short-term market fluctuations and wait for potential profitable returns. But with more years in hand, investing may be better than a regular savings account. This is because, in the long run, the stock market tends to perform better, although past performance is not an indication of future results.

If you’d like to learn more about saving vs investing you can click here to find out more.

The value of your investment can go down as well as up.

Can my Junior ISA investment decrease in value?

Investments in our Junior Stocks and Shares ISA can rise and fall with the market. You can read this article to understand more about how investments can perform over the long term.

How do I cancel my GoHenry Junior ISA?

HMRC rules for cancelling a Junior ISA are strict. If you have any questions about cancelling or stopping contributions, please contact our dedicated team at [email protected].

How do I make a Junior ISA or Child Trust Fund transfer?

Please check out our article on transfers, including how to find an existing Child Trust fund. If you have any further questions, our dedicated team can assist. Please contact [email protected].

Who is the Junior ISA manager?

Seccl Custody Limited act as the Junior ISA manager. To learn more please see our GoHenry Investment Services terms and conditions here or contact our dedicated team [email protected] for any questions.

frequently asked questions