Junior ISAs & Child Trust Funds Explained

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About Course

Learn how Junior ISAs and Child Trust Funds work: who can open and pay into them, the 2026 to 2027 limit, what happens at 16 and 18, and how to track down a forgotten Child Trust Fund.

This course gives general information only. It is not financial, tax or legal advice, and Tutwoo is not authorised by the Financial Conduct Authority to give financial advice. Figures and rules were checked against official sources on 30 October 2026 and can change. For help with your own situation, use free guidance from MoneyHelper or speak to a regulated adviser.

© 2026 Tutwoo UK Limited. This course was created in-house by Tutwoo and is our original work. It is for your own learning only: please do not copy, share, record or resell it.

What Will You Learn?

  • Explain the difference between a Junior ISA and a Child Trust Fund
  • Know the £9,000 limit for 2026 to 2027 and how it is shared across accounts
  • Understand what happens when a child turns 16 and 18
  • Find a lost Child Trust Fund using the free HMRC tool

Course Content

Course Lessons

  • Junior ISAs: the basics
  • Child Trust Funds and finding a lost account
  • Turning 16 and 18, and choosing what to do

Sources & Further Reading
The official guidance this course is based on.

Final Assessment

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