A gift to last a lifetime
Our mobile app makes it easy for parents, grandparents, godparents, aunties, uncles, family and friends to invest in a child’s future – adding and tracking gifts and messages into their Junior Stocks & Shares ISA (JISA) today and Junior Pension coming soon (join the Junior Pension waitlist in app).
Download today
When you invest, your child's capital is at risk. JISA funds can be accessed from age 18; pension funds from retirement age (currently 55, but this may rise).
Rated ‘Excellent’
Trustpilot
Figures shown are for illustration purposes.
Rated ‘Excellent’
Trustpilot
How does our app work?
Explore how your contributions and gifts from family and friends can grow into their future through their Junior Stocks and Shares ISA (JISA) today and their Junior Pension soon.
Open their account in minutes
Open their junior investment account in minutes and start investing with as little as £20.
Contribute your way
Add funds whenever you want in a few simple taps. Set up monthly contributions to take one thing off your to do list.
They say it takes a village
Send a personalised link to family and friends. They can then download the app and gift directly to your child’s future. They can leave voice, video or text messages for your child to unlock at 18.
Watch their future grow
Parents, grandparents, godparents, uncles & aunties and friends can track gifts and see how they can grow into a child’s financial head start.
Turn today’s gift into tomorrow’s future
See how small, consistent contributions can grow into a meaningful pot for their future. The average 10 year old owns 238 toys and plays with just 12, imagine the impact on their future if some of the money spent on these toys was invested instead?
Join thousands of families choosing a smarter, clutter-free way of gifting.
Download today
When you invest, your child's capital is at risk
Why families choose us
Feature
Open a junior investment account in a few minutes
Aesthetically beautiful app experience (design is important to us!)
Straightforward investing without overwhelming fund choice
Easy for family and friends to gift into your child’s investment account
Family can leave video, voice or written messages with gifts
Messages can be saved in your child’s Memory Box – unlocked at 18
Junior Pension coming soon (yes you can open a pension for a child!)
How we keep your child's money safe?
We take security seriously. Your child’s money is held securely by our regulated custodian, Seccl and invested by Aviva Investors and Fidelity.
FSCS Protected
Your deposits with Mia Wealth are supported by the Financial Services Compensation Scheme (FSCS), subject to FSCS conditions. All cash and investments are held securely in a separate ring-fenced account with Seccl, our FCA-regulated investment platform provider. If Seccl itself were to fail and there was a shortfall in client assets, eligible investment claims are generally protected up to £85,000 per person, per firm. This does not cover normal investment market movements or losses.
Aviva Investors and Fidelity
We’ve selected two of the world’s largest investment managers with over £18 trillion in assets under administration worldwide and used by millions of investors.
Safely held by Seccl
All cash and investments are held securely in a ring-fenced account with Seccl, our FCA-regulated investment platform provider. Seccl is part of the Octopus Group, which manages over £12bn in assets and also works with companies like Monzo and GoHenry. Your child’s money is kept completely separate from Mia’s own finances. That means if Mia were ever to fail, your child’s investments could not be accessed by Mia’s creditors.
Families love us
Rated ‘Excellent’
Trustpilot
I’ve been looking for something like this for ages and so glad to have found Mia.
Millie
A truly remarkable app! Smooth, easy and such an enjoyable experience!
Leonora
I’ve been looking for something like this for ages and so glad to have found Mia.
Millie
Great experience, easy to set up and visualise within the app and excellent customer service.
Alex
Excellent customer service! It was friendly, prompt and efficient and I felt fully supported throughout.
Chloe
Frequently asked questions
Everything you need to know about investing in a child’s future with Mia.
Who can open an account?
If you’re a parent or legal guardian, you can open a Mia account for an eligible child and choose to open a Junior Stocks & Shares ISA, Junior Pension, or both.
For a Junior Stocks & Shares ISA, your child must be under 18 and usually resident in the UK for tax purposes. There are some exceptions, including children living overseas with a parent who is a UK Crown servant.
If your child already has a Junior Stocks & Shares ISA with another provider, that’s okay – you can transfer it to Mia using our complimentary transfer service. A child can have both a Junior Cash ISA and Junior Stocks & Shares ISA, but the annual Junior ISA allowance is shared across them.
If your child has a Child Trust Fund, there’s an extra step. We can’t currently accept CTF transfers directly, so you’ll first need to transfer it to a digital provider that accepts CTF-to-Junior-ISA transfers, before transferring the Junior ISA to Mia.
Grandparents, godparents, aunties, uncles and friends can’t open the account on the child’s behalf, but once you’ve opened it, they can gift towards your child’s Junior Stocks & Shares ISA or Junior Pension too.
Is investing with Mia safe?
Yes. All cash and investments are held securely in a ring-fenced account with Seccl, our FCA-regulated investment platform provider. Seccl is part of the Octopus Group, which manages over £12bn in assets and also works with companies like Monzo and GoHenry. Your child’s money is kept completely separate from Mia Wealth’s own finances. Client money and investments are required to be held separately from Mia Wealth’s and Seccl’s own assets, so the expectation is that customers would remain entitled to the full value of their investments even in the event of insolvency.
Children’s investments are managed independently by some of the world’s largest asset managers Aviva & Fidelity used by millions. In practice, if Mia Wealth stopped operating, the investments would continue to exist and would typically be transferred to another regulated provider. If the exact same investment fund wasn’t available on the new platform, their investments would usually be moved into a similar fund – this is standard practice whenever an account is transferred between providers.
Children’s investments are also be supported by the Financial Services Compensation Scheme (FSCS). If Mia Wealth or Seccl were to fail and there was a shortfall in client assets, eligible investment claims are generally protected up to £85,000 per person, per firm. This does not cover normal investment market movements or losses.
Mia Wealth Limited (Mia Wealth) is an appointed representative of RiskSave Technologies Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 775330). Mia Wealth is a company registered in England and Wales (No. 15818371). Mia Wealth can be found on the Financial Conduct Authority Financial Services register under FRN 1033918.
What happens to the account when my child turns 18?
When your child turns 18, the money becomes theirs and they take control of the account. Their Junior Stocks & Shares ISA becomes an adult ISA, while their Junior Pension continues as an adult pension. But we know handing over something you’ve spent years building for them can feel like a big moment. That’s why the transition is designed to feel supported, not sudden.
We’re working on building an app expereince for 18 year olds (due to be live in 2027) – where guidance will help them understand what they have, the choices available to them and the value of continuing what you started. Our aim is to help them confidently take the next step and continue their own investing journey – turning the financial head start you gave them into habits that could stay with them for life.
What is the minimum contribution or gift?
Parents can get started with £20 one off or £20 per month. Gifts start from £10.
Who is Mia not suitable for?
Mia won’t be right for every child, and we want you to understand an important consideration before opening an account.
With a Junior Stocks & Shares ISA, the money belongs to your child and they become entitled to access and manage it when they turn 18. If your child does not have the mental capacity to manage their own financial affairs at that point, you may not automatically be able to manage or access the account on their behalf. Depending on their circumstances, you may need to go through the Court of Protection, which can be a lengthy legal process and involve significant costs. The same could be true for a Junior Pension which is intended for their much longer-term future and is generally inaccessible until the applicable minimum pension age.
This does not mean that a child with SEND or additional needs cannot have an account with Mia. Having SEND does not in itself determine mental capacity. However, if you have reason to believe your child may not be able to manage their own financial affairs at 18, we recommend considering this carefully and seeking appropriate specialist advice before opening a Junior ISA and/or Junior Pension.
For specialist information and support around financial planning for children with SEND, you can visit https://senda.org.uk/.
If you’re unsure about how a Mia account works or whether our product is suitable for your circumstances, contact us at support@miawealth.co.uk and we’ll be happy to explain the account and its features.
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