At 18, a Junior ISA becomes an adult ISA and the money is your child's to use. What changes at 16 and 18, the choices your child will have, and how to prepare them for the moment the money becomes theirs.
Children born between September 2002 and January 2011 were given a Child Trust Fund, and hundreds of thousands have never been claimed. How to find one for free, what happens at 16 and 18, and moving one into a Junior ISA.
The Junior ISA limit is £9,000 for 2026/27. How the allowance works across two accounts and several family members, what happens if too much goes in, and simple ways to keep track.