Junior ISA

Help build a nest egg for your child's future by saving for them tax efficiently, from just £10 a month

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Home » Saving for children » Junior ISA

Saving for your child’s future with a mutual has lots of benefits

When investing for your child’s long-term future with a mutual you get additional benefits such as becoming a member of the Society, meaning that you get a say in how we are run.

Additionally, as we are owned by our members, there are no shareholders to pay dividends to. This means that more of our profits can go towards the growth of your child’s savings

Apply online Transfer to our Junior ISA

Annual bonuses

We've paid an annual bonus each year since we launched our Junior ISA, although this is not guaranteed.

As we were founded over
190 years ago, in 1826,

we have a wealth of experience
in managing financial products
such as savings plans

Member Focused

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Get a Love2Shop voucher worth up to £50 £55 when you apply

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Not sure if this is the right plan for you?

Why not try using our 'your savings options' tool, to help you to decide which plan could suit your needs

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Need more information?

You can use the tabs at the top of this page to find out more about the plan. We also have a handy infographic that helps to explain more.

If you still have questions about the plan then we’ve put together a useful list of FAQ’s.

Otherwise, please feel free to get in touch with our Customer Service team who will be happy to answer any questions you have or to run through the application with you.

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0800 526 249

Email Icon [email protected]

You can call us any time between 9am - 5pm Monday to Thursday or 9am - 4pm Friday.

Ready to get started?

Before you start your application, please make sure that you have read and understand the following documents:

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Important things to consider

  • Past performance cannot be taken as a guarantee of future returns.
  • The value of the JISA depends on the future performance of the investments held in the fund and the bonuses we distribute from any profits arising from these investments.
  • HM Revenue and Customs may change the tax status of a Junior ISA in the future.
  • Inflation may affect the purchasing value of the investment in the future.
  • The money invested into a Junior ISA cannot be withdrawn early; it can only be withdrawn by the child when they reach the age of 18 years old.
  • If you transfer the plan to another provider during the term of the plan, or if you leave the money invested for more than three months after the child's 18th birthday, then we may apply a market value reduction if investment returns have been poor. In this event your child could get back less than you have paid in. Your capital is at risk.

When you take out an investment product with us your capital is at risk and you may get back less than you have put in. All references to taxation are to UK taxation and are based on Shepherds Friendly Society's understanding of current legislation and H M Revenue and Customs practice which may change in the future. Investment growth is by means of bonuses, the amount of which cannot be guaranteed throughout the term of the contract. Please ensure that you read the full terms and conditions of this plan which are available from your financial adviser or by contacting us directly.

No advice has been given by Shepherds Friendly, and if you are in any doubt as to whether a savings plan is suited to your needs, then you should contact a financial adviser. There may be a charge for financial advice, and the cost should be confirmed to you before any advice is given.