Friends & Family Junior ISA

Saving for their future has never been easier

Invest in your child’s future at the click of a button

Our Friends & Family Junior ISA is an innovative way to make saving for your child’s future simple, quick and flexible. Our Junior ISA enables parents, godparents, grandparents and friends to easily add money to a child’s savings account via a secure web link. Then in years to come, this savings pot could help pay towards those significant life events like a new car or help towards university living costs.

What is a Kingston Unity Junior ISA?

Get more from your child’s ISA

Our Junior ISA is a Stocks and Shares ISA, where your child’s savings will be invested in our With Profits fund. Our Junior ISA has provided better than cash returns since its launch in 2014. Past performance is not a guide to future performance, bonuses are not guaranteed, but once a bonus is added to your account, it cannot be removed.

Tax-Efficient Saving from £5 a Month

You can save up to £4,368 for your child, tax-free, into a Junior ISA in the 2019/20 tax year. Save regular payments from £5 a month or add one-off payments from £10. Give friends and family the option to add gifts to the account via a secure, shareable link.

A Friendly Alternative to Banks

We’re a mutual which means we operate solely for the benefit of our Members and not for shareholder profit. We’ve helped hundreds of thousands of our Members, their children and their grandchildren, to make more of their money since 1840.

A secure, flexible and shareable way to save for a child

Easily gift money for a child’s future, via a secure webpage shared by the parents

  • Safe and secure online – Apply online in minutes. After you’ve applied our online dashboard lets you see the account grow as you work towards your savings goals.
  • Flexible payment options – Online, you can pay in one-off gifts or set up a Direct Debit for a regular amount.
  • Everyone can contribute – Share your unique web link to allow friends and family to add to the account. Payments are a gift to the child and can not be returned to the payer.
  • A low to medium risk fund – Our Junior ISA has provided inflation-beating returns since its launch in 2014. Past performance is not a guide to future performance. Bonuses are not guaranteed, but once added they cannot be removed.
  • Save with confidence – Our Junior ISA guarantees everything paid into it, plus all bonuses declared, on the child’s 18th birthday. In addition, your child’s money is protected by the Financial Services Compensation Scheme up to £50,000.

Looking to transfer your existing Junior ISA to us from another provider?

You can request to transfer your existing Junior ISA that you have with another provider to us. Follow the link to learn about your JISA transfer options.

Alternatively, you can contact us for more information on 01924 240164.

More about transferring a JISA

Did you know you can transfer your Child Trust Fund to our Junior ISA?

You can request to transfer your Child Trust Fund to our Junior ISA. Follow the link to learn about your CTF transfer options.

Alternatively, you can contact us for more information on 01924 240164.

More about transferring a CTF

Frequently Asked Questions

More details and Frequently Asked Questions for our Junior ISA

Your money is protected by the Financial Services Compensation Scheme

Other Important Information

Tax liability
Under current legislation, any money received from this Junior ISA will be free of tax and doesn’t need to be declared on a tax return.

Tax legislation may change in the future. If you’re in any doubt, please take advice from a professional tax advisor – you may be charged for this advice.

Apply for our Junior ISA online

Apply for our Junior ISA online

Apply online for our Friends & Family Junior ISA via a secure webpage.

Please Note: You must confirm you have read the key facts, before downloading this document.

Key Facts about our services and costs

1. The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. This document is designed by the FCA to be given to consumers buying certain financial products. You need to read this important document. It explains the service you are being offered and how you will pay for it.

2. Whose products do we offer?

We offer products from the whole market

We only offer products from a limited number of companies

We only offer our own products

3. Which service will we provide you with?

We will advise and make a recommendation for you after we have assessed your needs.

You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

We will provide basic advice on a limited range of stakeholder products and in order to do this we will ask some questions about your income, savings and other circumstances but we will not:

  • conduct a full assessment of your needs;
  • offer advice on whether a non-stakeholder product may be more suitable.

We can only offer products from Kingston Unity Friendly Society. These products will enable you to:

  • protect yourself and your loved ones in the event of death
  • save and invest with the added benefit of protecting yourself and your loved ones in the event of death
  • provide benefit cover in the event of sickness

4. What will you have to pay us for our services?

Normally, if you buy a financial product direct from us, there will be no payments such as commission or fees payable. If there are any commission or fees payable, we will tell you how we get paid and the amount before we carry out any business for you.

5. Who regulates us?

Kingston Unity Friendly Society, 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and .the Prudential Regulation Authority. Kingston Unity Friendly Society’s FCA Registered Number is 110056.

Kingston Unity Friendly Society permitted business is advising and arranging life assurance and pensions business.

You can check this on the FCA’s Register by visiting the FCA’s website www.fsa.gov.uk/register or by contacting the FCA on 0845 606 1234.

6. What to do if you have a complaint

If you wish to register a complaint, please contact us:
…in writing Write to Kingston Unity Friendly Society, Complaints Department, 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ. …by phoneTelephone (01924) 240164

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

7. Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Most types of insurance business are covered for 90% of the claim with no upper limit.

Application by email

    Would you like to hear more about our Society and the products that are available? We will never share your data with a third party. More information is available from our privacy policy.

Application Pack Request By Post

    Would you like to hear more about our Society and the products that are available? We will never share your data with a third party. More information is available from our privacy policy.