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Designed to help you invest in your child’s future with confidence.

Account

What security features does the app have?

Mia Wealth takes security seriously. Money and investments are not held by Mia Wealth directly. Cash is held in a ring-fenced account by our FCA regulated custodian, Seccl (part of Octopus Group who manage £12bn+ in assets). Seccl is trusted by leading firms, including Monzo, to power secure investments at scale.

Additional security features include: biometric login (Face ID / Touch ID), optional app passcode, encryption and secure storage, secure connections (HTTPS + Certificate Pinning), automatic session timeouts, secure password reset, two factor authentication support and short lived log in tokens.

Congratulations! We are wishing you all the best for your safe arrival. A Junior Stocks and Shares ISA account can be opened once your child is born as we need to know their name and date of birth. We look forward to welcoming you soon!

Before you start, it’s important to make sure you’re looking after your own family’s financial security first. Experts often suggest having a family emergency fund of 3–6 months of living expenses saved up in cash. This gives you a safety net for life’s unexpected moments, so you never feel stretched too thin. 

When you’re ready to begin investing for your child, you can start from £20 or £20pm and family and friends can gift from £10. 

When you invest, your capital is at risk. Remember when you put money into a Junior Stocks & Shares ISA, it can only be accessed by your child once they turn 18.

When your child turns 18, they will be asked to become the registered contact and take ownership of their account. They will be invited to participate in a mandatory short course to teach them about investing so when they access their money they’ll be able to make an informed decision. They can choose to keep investing or withdraw some or all of the money. Remember when you put money into a Junior Stocks & Shares ISA, it can only be accessed by your child once they turn 18. 

With Mia, you’re not just handing over an account – you’re giving your child the tools, knowledge and encouragement to keep investing in themselves and their future. We’ll be here to support you both every step of the way.

As parents ourselves, we know what your days look like – school runs, laundry piles, meal planning and all the magical chaos that comes with raising children. The last thing you need is to unravel a complicated pricing structure or decode financial jargon. 

As with other investment service providers, we charge a small 0.5%pa platform fee to cover our costs including custody fees, transaction costs and fund dealing fees. BlackRock, your investment manager (used by millions worldwide) charges a 0.17%pa fee but these charges are included in the valuation of your investments. 

To see how we compare to the rest of the industry, visit our Pricing page.

Yes, you can open a separate Mia account for each of your children with their very own investment pot (Junior Stocks & Shares ISA). All of your children will be visible on your home screen in our app. 

Our app is designed as a mobile-first experience and currently supports both iOS and Android smartphones. You can download the app from the Apple App Store or Google Play Store on any modern iPhone or Android phone that meets standard OS requirements. While the app may work on some tablets, we recommend using a mobile device for the best experience.

While we don’t offer financial advice, we’re here to support and guide you every step of the way through financial education including expert-led articles, easy-to-follow videos and interactive webinars to learn from industry experts and ask your questions in real-time. We’re here to help you grow your family’s wealth by making investing accessible and easy to understand, so you can make informed decisions that work for your family.

We’re gradually inviting families to join Mia in the order they signed up to our waitlist. If you’d like to join, we would love to welcome you – please email support@miawealth.co.uk and you’ll hear from us soon! 

Money and investments are not held by Mia Wealth directly. Cash is held in a ring-fenced account by our trusted custodian, Seccl.

It’s common practice for investment providers to use a specialist custodian to hold client money and assets separately from the company’s own funds. This extra layer of protection means your cash and investments are kept safe, ring-fenced and remain yours. 

Seccl are part of Octopus Group who manage £12bn+ in assets and are authorised and regulated by the Financial Conduct Authority (FCA). They safely hold your cash and investments in a ring-fenced account. Seccl is trusted by leading firms, including Monzo, to power secure investments at scale.

We get it – there are a million things to remember! Please contact us at support@miawealth.co.uk and we’ll help you get back into your account right away. 

If you’re thinking about moving on, we will be sorry to see you go!

Only your child can withdraw money from their Junior Stocks & Shares ISA when they turn 18 (except in limited, exceptional circumstances).

You’ll need to transfer your Junior Stocks & Shares ISA to another Junior Stocks & Shares ISA or Junior Cash ISA provider.

Please know that any messages from family and friends saved in Mia Memories for your child to unlock at 18 sadly won’t move with the transfer, so they would no longer be available once your account is closed.

Our app gives you a clear, easy-to-use homepage where you can track yours and family and friends contributions into your child’s account. You can also use our calculator to see how regular contributions and gifts from loved ones add up over time and the projected value your child could receive at 18.

Every time you check, you can feel proud of what you’re building to give your child the best possible start.

Why Mia

What investment options are available?

Unlike other providers with many fund options, we offer a focused selection of suitable funds to keep things simple.

Our investment committee has selected BlackRock as the investment manager – one of the largest in the world, managing £9 trillion in assets and used by millions of investors worldwide. 

To keep things straightforward, Mia sets a default fund based on your child’s age. If your child is more than five years away from turning 18, we default to the low cost (0.17%pa) global equity higher risk fund (BlackRock MyMap 8), which is designed for longer-term growth. If they are within five years of turning 18, we default to the low cost (0.17%pa) medium-risk multi-asset option (BlackRock MyMap 4). You can change this at any time if you want to.

Please note that this is not financial advice and if you’re unsure what’s right for you, you may want to speak to a financial adviser.

When you invest, your capital is at risk. Remember when you put money into a Junior Stocks and Shares ISA (JISA), it can only be accessed by your child once they turn 18.

Most investment platforms were built for one adult looking after their own money. Children’s accounts are occasionally offered too but as a bolt-on, lost in a sea of adult products and 3,000+ funds to choose from.

Mia is built the other way round. We start with your child and the family around them.

A dedicated home for your child’s wealth, thoughtfully designed for the one thing it’s actually for: your child’s future.

And then there’s everyone else who loves them. Grandparents, godparents, aunts, uncles, the family friend who always remembers birthdays – they can now all gift straight into their account, with their messages alongside the gifts, safely stored for your child to unlock at 18.

Because investing for your child shouldn’t feel like homework only one parent does at midnight. It should feel like something the whole family shows up for – together, one gift at a time.

  • Only a parent or legal guardian can open a Junior Stocks and Shares ISA for their child.
  • Your child must be under 18 and usually living in the UK for tax purposes.
  • If you’re a UK Crown servant (like in the armed forces, diplomatic service, or overseas civil service) and your child lives abroad with you, they’re still eligible.
  • Each child can only ever have one Junior Cash ISA and one Junior Stocks & Shares ISA. If your child already has a Junior Stocks & Shares ISA with another provider, you can use our complimentary transfer service to have everything in one place
  • Grandparents, friends and other family can’t open the Junior Stocks and Shares ISA themselves, but once you’ve set it up, anyone can contribute to help grow your child’s future.
  • Children who are not UK tax residents (unless covered by the Crown servant rule) aren’t eligible.
  • Unfortunately, if you and/or your child is considered a “US Person” for tax purposes, you cannot open a Mia account due to US tax rules.
  • If your child has a Child Trust Fund (CTF) they would need to transfer this into another JISA provider (one which accepts CTFs) as you cannot have both. Unfortunately we are not able to accept CTF transfers at this time. 

Payments

Which banks do we support (for linking your bank account)?

We use TrueLayer to provide an Open Banking solution so you can top up a child’s account quickly and securely (because who has time for manual transfers with reference codes!). You’ll see the banks currently supported through TrueLayer below.

If your bank is not on the list then please note we are working hard to get Apple and Google pay launched by Summer 2026, which will make topping up your Mia account even easier.

Banks we currently support:

• Barclays
• Bank of Ireland UK
• Bank of Scotland
• Clydesdale Bank
• Danske Bank
• First Direct
• Halifax
• HSBC
• Lloyds
• Monzo
• Nationwide
• NatWest
• Royal Bank of Scotland
• Revolut
• Santander
• Starling
• TSB
• Ulster Bank
• Virgin Money (Merged)

We hope you’re having a lovely break! Yes you can add money to a Mia account whilst on holiday, assuming the money is sent from a UK regulated bank account. 

Before you start, it’s important to make sure you’re looking after your own family’s financial security first. Experts often suggest having a family emergency fund of 3–6 months of living expenses saved up in cash. This gives you a safety net for life’s unexpected moments, so you never feel stretched too thin. 

When you’re ready to begin investing for your child, you can start from £20 or £20pm and family and friends can gift from £10. 

When you invest your capital is at risk. Remember when you put money into a Junior Stocks and Shares ISA (JISA), it can only be accessed by your child once they turn 18. 

No worries – life happens, and we get it! With Mia, you’re in full control. You can pause, reduce, or increase your contributions at any time, making it completely flexible to fit your budget.

You can also top up whenever it works for you – there’s no pressure to stick to a fixed amount. Plus, don’t forget, loved ones can contribute too – asking family to chip in for birthdays and special occasions is a great way to keep building your child’s future, even when things are tighter at home.

Gifting (Parent)

Who can gift to a child’s Junior Stocks and Shares ISA with Mia Wealth?

Family and friends can contribute including grandparents, godparents, aunts, uncles and so on.

To contribute, they just need the unique link from your Mia app and a UK regulated bank account to comply with UK regulations.

There’s no cost for family and friends to contribute. They can soon download our app for free to keep track of their gifts and make it easier to send new gifts in the future. 

As a parent or legal guardian, you must first open your child’s account with Mia. Once open, you can share your child’s unique gifting link with grandparents, godparents, uncles and aunties etc. 

Loved ones can easily add money to your child’s account using this link. They can also leave a voice, video or text message with their gift to be enjoyed by you now and again by your child at 18 – safely stored in Mia Memories. 

The average 10 year old owns 238 todays, but plays with just 12 – we’re determined to change this and help loved ones redirect the money spent on birthday toys into investments that can grow with a child. 

Yes – as long as they have a regulated UK bank account, they can send a gift through Mia.

Gifting

What’s the minimum amount I can gift?

You can start with a one-off gift from £10. Some families choose to give regular smaller amounts, while others gift more for special occasions.

No, you can gift whenever you like via the unique gifting link for the child, sent to you by their parent or legal guardian.

However, to make it easier you will be able to download our app soon so that you can gift within the app and track your gifts over time and see the likely impact on their future. 

Every gift can include a personal message – text, voice, or video.

Messages will be reviewed and approved by a parent. If approved, they can be stored in Mia Memories and can be enjoyed and unlocked by your child when they turn 18.

We use TrueLayer to provide an Open Banking solution so you can top up a child’s account quickly and securely (because who has time for transfers with long reference codes!). If your bank is not on the list, we are looking to add Google and Apply pay by the summer which will make adding money even easier.

Yes, your gift amount will be visible as part of the contribution received into the child’s account.

Our app is designed for the wider circle around a child, including grandparents, godparents, aunties, uncles, family friends and other loved ones. Once the parent or legal guardian has set up their child with Mia, anyone can gift as long as they have a UK regulated bank account. 

Direct Debits

What happens if my circumstances change and I need to pause or stop my Direct Debit?

We know life isn’t always predictable. With Mia, you’re always in control. You can pause, change, or top up your contributions whenever you need. And when things are tight, loved ones can help keep your child’s future moving forward. You’re not alone on this journey – keep going, you’re doing so well. Just remember that any money you put into your child’s account can only be withdrawn by the child after 18 and there is a platform fee of 0.5%pa to cover the costs of managing the account.

Sophia, Co-Founder and CEO and mum to twin babies:

“Some months, with the cost of nappies, milk, clothes and everything else that comes with having twins, I pause my contributions for a bit and that’s okay. That’s exactly why we built Mia to work around real life. You can pause whenever you need and pick back up when you’re ready. Do what you can, when you can – that’s always enough.”

Direct Debits start from £20pm. 

Junior ISA

Are there any limits to how much can be contributed each year?

Yes, the government sets an annual Junior ISA allowance (£9,000 for the current tax year). This includes all contributions across both types of JISAs ie from you and any friends or family across both the Junior Cash ISA and Junior Stocks & Shares ISA. 

When you invest, your capital is at risk. Tax treatment is dependent on individual circumstances and is subject to change. Remember when you put money into a Junior Stocks and Shares ISA (JISA), it can only be accessed by your child once they turn 18.

In the heartbreaking event of a child’s death, the money in their Junior Stocks & Shares ISA becomes part of their estate. According to UK regulatory guidelines, the money will be paid to the child’s legal guardian, parent, or next of kin, depending on the circumstances.

If you need to access your child’s investments for exceptional reasons (such as terminal illness), you would need to apply through the relevant legal process set out by HMRC and please know that we’re here to support you and can guide you through the steps if you ever need us.

We understand these are incredibly difficult things to consider, but planning for every possibility is a true act of love and care. Your child’s money will always be kept safe, no matter what.

When you invest, your capital is at risk. Tax treatment is dependent on individual circumstances and is subject to change.

Money held in a Junior Stocks and Shares ISA belongs to the child and therefore the parent / legal guardian who set up the account cannot withdraw it. When your child turns 18, the child will be asked to become the registered contact and take ownership of their account. They will be invited to participate in a mandatory short course to teach them about investing so when they access their money they’ll be able to make an informed decision. They can choose to keep investing or withdraw some of all of the money.

With Mia, you’re not just handing over an account – you’re giving your child the tools, knowledge and encouragement to keep investing in themselves and their future. We’ll be here to support you both every step of the way.

Transfer to Mia

Can I transfer an existing Junior Stocks and Shares ISA to Mia?

Yes and we would love to be the new home for your child’s wealth. We are a digital-first app and therefore can only accept electronic transfers and do not handle paper forms. Unfortunately, your existing provider may still only offer a manual option. You will see the list of electronic providers within our app when you click ‘transfer-in’.

If your provider does not allow electronic transfers, contact our support team to let us know and we’ll put a case together for you to encourage them to do so. We want to improve efficiency and transparency in the industry!

Please be aware that each child can only ever have one Junior Cash ISA and one Junior Stocks & Shares ISA. If your child already has a Junior Stocks & Shares ISA with another provider, you can use our complimentary transfer service to have everything in one place.

Although we offer free transfers, please be aware there may be a fee incurred with your existing provider to transfer to Mia Wealth so please do check prior to transferring.

When you invest, your capital is at risk. Tax treatment is dependent on individual circumstances and is subject to change. Remember when you put money into a Junior Stocks and Shares ISA (JISA), it can only be accessed by your child once they turn 18.

Yes but there’s an important step first. If your partner is currently the registered contact on your child’s Junior Stocks and Shares ISA, then either your partner must be the person to set up their account with Mia ahead of transferring or the exiting JISA account must be transferred into your name before it can be moved to Mia. To do this, you’ll need to contact your existing provider and ask them about changing the registered contact. Each provider has its own process and they’ll let you know what’s required. Once the account is in the same name as your existing provider, use the ‘transfer-in’ request in the app to transfer it to Mia.

Need more help?

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support@miawealth.co.uk

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