Support

A Junior Stocks and Shares ISA (Individual Savings Account) is a tax-free savings and/or investment account for children. The money belongs to your child and can only be accessed by them when they turn 18. It's a way to give your child a financial head start and open up more opportunities for their future - what a gift!

There are two main types of Junior ISA's:

Junior Cash ISA:

This works a lot like a regular savings account, but the interest your child earns is tax-free. The money is kept as cash, so it's not exposed to the ups and downs of the investment market. It's a safe and steady option, but with interest rates often quite low, the growth potential can be limited and unlikely to keep pace with inflation which can erode the real value of your money over time.

Junior Stocks & Shares ISA (Mia):

At Mia, your child's money is invested in a Junior Stocks & Shares ISA. This means there's a chance for higher growth over the years. Of course, the value will go down and up with the market, but over the long term, investing in has historically outperformed cash savings (source).

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, the government sets an annual Junior Stocks and Shares ISA allowance (£9,000 for the 2025/26 tax year). This includes all contributions from you and any friends or family across both the Junior Cash ISA and Junior Stocks & Shares ISA. We'll let you know if you're getting close to the limit, so you never have to worry about overpaying.

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.

Unlike providers with many fund options, we offer a focused selection of funds. This is designed to keep things simple.

Our investment committee has selected two BlackRock funds. These are low cost global funds designed for long-term and medium-term investing through a Junior Stocks & Shares ISA.

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

These aren't personal recommendations. If you're unsure what's right for you, you may want to speak to an independent financial adviser.

For more information on the two BlackRock funds available via our app:

• BlackRock MyMap 8 Select ESG Fund D Acc (KIID) (CFD)
• Blackrock MyMap 4 Fund D GBP Acc (KIID) (CFD)

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.

We want investing for your child to be easy, seamless and digital-first - no confusing and inefficient paperwork, no reference codes, no stress. Our mission is to lighten the mental load for parents and families, making the process as stress-free as possible. You can open an account in minutes, invite loved ones with a tap and see everything in one place. We focus on families, not just finances and we're building the kind of experience we wish we'd had as parents ourselves.

Jack, Head of Compliance and godparent:

"Through our app I can easily send money for my godchild's birthday, record a birthday message and track my contributions and see the likely impact on their future. With most other providers, I would need their bank details, a reference code and never get to leave a message or see the difference I am making"

To keep things simple:

• 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.

Good to know:

• 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 a JISA provider (one which accepts CTFs) as you cannot have both.

Mia is built around the UK's Junior Stocks & Shares ISA rules - a government-backed account that helps families invest tax-free for their children's future.

Because these rules are set by the UK government, only children who are UK tax residents (or covered by the Crown servant exception) can open one.

Good to know:

• The Junior Stocks and Shares ISA is a UK-only product, so children living outside the UK usually won't qualify.

• Unfortunately, parents and/or children who are considered "US Persons" for tax purposes also can't open a Mia account. This is due to US tax laws, not Mia's choice.

• If the rules ever change, we'll be the first to share the good news as we would love to help more children across the world look forward to a brighter financial future!

• 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.

The Mia app gives you a clear, easy-to-use dashboard where you 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 once your child reaches 18. Every time you check, you can feel proud of what you're building to give your child the best possible start.

Mia Wealth takes security seriously. Your money is held with our custodian bank, Seccl and is allocated to your child's Junior Stocks and Shares ISA, adding an extra layer of safeguarding around how assets are held. Your child's investments are held in your child's Junior Stocks & Shares ISA and not held by Mia directly. The money is held separately by Seccl Custody Limited, our regulated custodian. 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
• Short-lived login tokens

A Junior Stocks and Shares ISA account can only be opened once your child is born as it requires their name and their date of birth.

Messages and gift details are visible for 30 days after a gift is made. During this time, you can review and approve them in the app via 'Gifts' - 'Mia Memories'. Once approved, they're safely stored in Mia Memories, ready for your child to unlock when they turn 18. If you do not approve the message, it will be removed after this period.

Every family's situation is unique and what you can afford to invest today is absolutely enough. Even starting with £20pm can make a real difference over time - thanks to the power of compounding, those smaller, regular contributions really can add up. And when you invite family and friends to chip in for birthdays or special occasions, your child's pot can grow even faster.

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' living expenses saved up in cash before investing. This gives you a safety net for life's unexpected moments, so you never feel stretched too thin.

The most important thing is simply to start. You should be proud - these small steps today can make a big impact tomorrow!

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, 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. 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.

George, CTO and dad to two boys:

"The best way I can teach my boys about building wealth is by letting them see their own investment portfolio grow from a young age. I'm so excited for this new app launching next year - knowing they'll get real financial education from 16 and feel confident to make their own investment decisions at 18. It's the kind of money lesson I wish we'd all learned in school!"

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 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.

We believe investing for your child's future should be simple, fair and totally transparent. To see how our fees compare to the rest of the market, click here

Yes, you can open a separate Mia account for each of your children. Each child gets their own investment pot (Junior Stocks & Shares ISA), their own Mia Memories and their own network of supporters. Every child matters, and you're making sure they all feel seen.

You're doing something wonderful for each of your children and we're proud to support you every step of the way!

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 sign up to the waitlist. If you'd like to join, you can sign up at miawealth.co.uk and we'll let you know when it's your turn.

When you add money to your Mia Wealth account, it's securely moved from your chosen bank account to Seccl, our trusted custodian bank.

You might be wondering why we use a custodian bank and the simple reason is security. 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 £12.1bn in assets (who own Octopus Energy and Octopus Money) 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 investment custody at scale. Assets are held directly via CREST, the UK's central securities depository, with no third-party sub-custodians. Seccl operates at institutional scale with strong security and controls.

Try searching your inboxes for emails from Mia Wealth - that's usually the quickest way to figure out which email you used. If you're still unsure, you can contact us at support@miawealth.co.uk and we'll help you get back into your account.

If you're thinking about moving on, we will be sorry to see you go! You'll need to transfer your Junior Stocks & Shares ISA to another Junior Stocks & Shares ISA or Junior Cash ISA provider. This will start the transfer process away from Mia. You can't withdraw cash from your Mia Junior Stocks & Shares ISA (except in limited, exceptional circumstances.). 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 the account is closed.

When your child turns 18, their account will automatically transfer into an adult account.

Junior Investment Account (Junior Stocks & Shares ISA) → Adult Investment Account (Stocks & Shares ISA)

You can transfer ownership to your 18 year old and they will gain access via our app. We will encourage them to continue to contribute to these accounts to improve their financial future.

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, the 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 your name, use the 'transfer-in' request in the app to transfer it to Mia.

Yes - if your existing balance is over £500 and assuming your existing provider allows electronic transfers. We are a digital platform and therefore do not handle paper forms. 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.

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.

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.

At this moment, we're not able to accept direct transfers from a Child Trust Fund into a Junior Stocks and Shares ISA with Mia. Sadly, this means you won't be able to open an account with us using a Child Trust Fund transfer right now.

If your child has an existing Child Trust Fund, in order to use Mia (and open a Junior Stocks & Shares ISA), you will first have to transfer your Child Trust Fund to a provider who does accept Child Trust Fund transfers into a Junior Stocks and Shares ISA (to comply with UK regulation). Once that transfer is complete, you'll be able to transfer the Junior Stocks and Shares ISA to Mia and start enjoying all our features - like easy contributions from loved ones.

We know this isn't the most seamless route and we're really sorry for any inconvenience but it is sadly out of our hands due to UK regulatory guidelines that your child cannot have a Child Trust Fund and a Junior Stocks and Shares ISA.

The minimum Direct Debit is £20.

You can set your Direct Debit in £5 increments (for example: £20, £25, £30, £35 and so on).

Direct Debits are scheduled to start on the 1st of each month. If you set one up near the end of the current month, we'll do our best to have it ready in time. However, this depends on your bank's processing cut-off times.

Yes - you can update your Direct Debit amount at any time.

Amounts start from £20 and can be adjusted in £5 steps. Changes take effect from the 1st of the next month. If you make a change late in the current month, it may start from the following month instead.

Birthdays can be a moment for family and friends to give something that lasts beyond the day itself.

With Mia, loved ones can contribute a gift that can grow over time. If they choose to, they can also leave a message in Mia Memories for your child to unlock when they're 18.

Soon! This is something we're working on.

In the future, family and friends will be able to download the Mia app and view the contributions they've made to your child's account. This will include a simple view of their past gifts and the likely value of those gifts when your child turns 18.

They'll also be able to set optional reminders for things like birthdays or other milestones, so they can plan ahead if they want to.

When making a gift, they can leave a message in Mia Memories. These messages can be stored by you to be unlocked and enjoyed by your child when they turn 18.

There's no cost for family and friends to contribute. If you'd like to enable gifting on your child's account, there's a £9.99 early bird annual subscription for parents. This allows family and friends to contribute if and when they choose, as many times as they like, to as many children accounts as they wish.

As a parent or legal guardian, you open your child's account. If you choose to enable gifting (a premium feature), family and friends - like grandparents, godparents, aunts, uncles etc - can contribute.

Once gifting is enabled, you can share a unique link from the Mia app. They can use this to contribute quickly using Open Banking and 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.

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 bank account to comply with UK regulations.

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

You can view each memory once during the review process, so you can choose to approve or delete it. Once approved, it will be stored safely until your child can unlock it at 18.

You'll be notified in the app when a gift is received.

We'll send reminders in the app, as well as email reminders, to give you plenty of opportunity to review it. If a memory isn't reviewed within 30 days, it will be permanently deleted. The money that was gifted will stay but the memory associated will be removed.

Only people you invite will be able to contribute to your child's Mia account.

Yes - during the review window, you can choose whether to approve or delete a memory before it is stored for your child.

No - Mia Memories are designed to be unlocked by your child when they turn 18.

Yes - gifters can send gifts whenever they like, whether it's for a birthday, Christmas, a new baby, or just because.

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

You can contribute quickly and easily via a secure web link - no account or app download needed. In future, we are working hard on a feature that will allow you to track your gifts through a 'gifter app'. This will require an app download.

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

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

Yes! When the child turns 18, they'll see a full list of everyone who contributed to their Junior Stocks and Shares ISA, along with your messages (subject to parental approval). It's a wonderful way to show your love and support as they start their adult life.

Yes. Investing with Mia is designed to be safe, with several layers of protection in place.

FSCS Protection

Money held in investment accounts are protected by the Financial Services Compensation Scheme (FSCS) up to £85,000 per person, subject to eligibility. Your investments are held with our regulated custodian Seccl Custody Limited, which is a member of the scheme. Seccl is part of Octopus Group, which oversees more than £12 billion in assets.

BlackRock

Investments are managed in funds by BlackRock, one of the largest investment managers in the world with over £14 trillion in assets under management and used by millions of investors globally.

FCA Authorisation

Mia Wealth operates as an appointed representative of RiskSave Technologies Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA). This means we must follow strict rules designed to protect customers.

Bank-Grade Security

We use industry-standard encryption and security systems to protect your personal information.

Yes you can contribute to more than one child. Each child has their own unique gifting link, so you can use the relevant link (found in 'Gifts' in the app) when making a contribution. In future, you'll be able to view all your contributions in the Mia app.

Not at all. You can contribute from just £10, either as a one-off gift or on special occasions throughout the year. Some families choose to give smaller amounts, while others contribute more - it's entirely up to you.

No - leaving a message is completely optional. If you'd like to include one, you can add a written, voice or video message alongside your gift. Once the parent has approved the message, it will be stored for the child to unlock when they turn 18.

No you won't be notified whether a message has been approved or deleted.

Our minimum value for gifts is £10 and the maximum you can send is £9,000 as that is the maximum amount someone can contribute to a Junior Stocks and Shares ISA in any one year.

We are sorry this has happened - it will be best to speak to the parent of the child. It could be that they are not currently accepting gifts at this time e.g. they have reached their annual allowance of £9,000 for a Junior Stocks and Shares ISA in the current tax year.

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 Apple Pay by the summer which will make adding money even easier.

No - once your contribution and message have been sent, they can't be viewed or edited.

Not at all. You can contribute from just £10, either as a one-off gift or on special occasions throughout the year. Some families choose to give smaller amounts, while others contribute more - it's entirely up to you.

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

Yes - if you've been invited to support more than one child, you'll be able to contribute to each of them separately. There is no upper limit on the amount of children you can gift to.

No - Mia is designed for the wider village around a child too, including grandparents, godparents, aunties, uncles, family friends and other loved ones. Anyone can contribute as long as they have a UK 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 transfers with long 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)

Yes, you can.

With Mia, you can start building your child's financial future from just £20pm, or even a one-off £20. Family and friends can join in too, starting from just £10. Every pound you put aside could be a step towards your child's dreams - and you're doing something incredible, just by starting. Remember, you don't have to be wealthy to make a difference. You should feel proud for wanting to give your child the best possible start!

Gerry, Co-Founder and COO and mum to two teenagers:

"My husband and I started small for my girls - sometimes just what I could manage that month. Looking back, we're so glad we did. It's the habit and the intention that count which is why my girls are likely to be able to afford university"

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. If you are unsure ahead of making a financial decision, please seek independent financial advice.

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."

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.

When you add money to your Mia Wealth account, it's securely moved from your chosen bank account to Seccl, our trusted custodian bank.

You might be wondering why we use a custodian bank and the simple reason is security. 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.

Who are Seccl?

Seccl are part of Octopus Group who manage £12.1bn in assets (who own Octopus Energy and Octopus Money) 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 investment custody at scale. Assets are held directly via CREST, the UK's central securities depository, with no third-party sub-custodians. Seccl operates at institutional scale with strong security and controls.

When will I be able to see my money in Mia?

Your money is usually received by Seccl straight away, but it may not appear in your Mia app immediately. This is because Seccl allocate incoming funds several times a day during business hours. If you make a contribution in the evening (after 6pm), at the weekend, or on a bank holiday, it may not show in your app until the next working day. Your money is safe and will be reflected in your account as soon as it's processed.

Example 1:

You add money via the app at 1pm on a Tuesday and this is shown in your Mia app by 6pm that evening.

Example 2:

You add money via the app at 9pm on a Saturday and this is shown in your Mia app by 10am on Monday.

Together with our custodian Seccl, we're working on improving this experience for customers and working towards a future (soon!) where money sent will be seen almost straight away in your Mia app.