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    • Home • Advice • Common questions

    Can my child access their Junior ISA when they turn 16?

    08 September 2025

    Question by Pat

    My daughter’s about to turn 16 and I’ve been saving into her JISA since she was born. Will she get control of it now – or do we still manage it until she’s 18?

    Answered by Boring Money

    Hi Pat,

    At 16, your daughter will gain the right to manage the Junior ISA. That means she can make decisions about where it’s invested (within the provider’s options), switch funds, or even change providers. You (as the parent) lose “registered contact” status at that point.

    However, she can’t access the money until she's 18. That’s when the JISA legally becomes an adult ISA and she can then withdraw, spend, or keep investing as she likes.

    Hope this helps!

    Answered by

    Boring Money

    Here to help you understand your options and make smart money choices.

    Important stuffHolly and the team have worked in the finance industry for many years but we are not regulated to give you personal financial advice. For every story on this website about a good investment, or something which went up by 10% or made someone £200, we could also share a story about a bad investment, something which fell in value or lost someone £200. We aim to provide general information and pointers – and btw we are totally agnostic about which providers you might pick – but if you have complex affairs, want personalised advice or need specific recommendations, please look at advice pages and see if regulated digital or traditional financial advice would be the best solution for your needs. Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.
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    Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.