What is the Junior ISA allowance for 2026/27?
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In short: £9,000 per child per tax year, in any mix of Cash JISA and Stocks & Shares JISA. The money is locked until the child turns 18, then becomes theirs and can roll into an adult ISA.
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Reviewed by Kaiser Khan
A Junior ISA is opened by a parent or guardian for a child under 18 who lives in the UK. Each child can have one Cash JISA and one Stocks & Shares JISA, with the combined annual contributions capped at £9,000.
Anyone can contribute — parents, grandparents, family, friends — but only the parent or guardian can open or transfer the account. At 16 the child can take over management; at 18 the money is theirs unconditionally.
Children born between 1 September 2002 and 2 January 2011 may have a Child Trust Fund instead. CTFs can be transferred to a JISA if you want better rates or wider investment choice.
Primary source: gov.uk/junior-individual-savings-accounts
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