Transfer Junior ISA to Unity Mutual
How to transfer your child's Junior ISA to Unity Mutual
If you already have a Junior ISA with another provider and are considering transferring it to Unity Mutual, it’s important to understand how the process works and what to expect.
You should ensure you understand the risks involved with investing in stocks and shares, including that the value of your investments can go down as well as up, and your capital may be at risk.
Transferring your JISA is usually a simple process, and we’re here to help you - from explaining how a Stocks and Shares Junior ISA compares to a cash Junior ISA, to ensuring the move is completed smoothly.
Plus, get a free Baby and Child First Aid Class with Mini First Aid when you open a Junior ISA with Unity Mutual.
You’ll find a step-by-step guide to the transfer process below, along with answers to frequently asked questions.
How to transfer your Junior ISA to Unity Mutual
Step 1
Read the Stocks and Shares Junior ISA Key Information Document(s) and the Terms and Conditions below to ensure the product is right for you.
Step 3
Return the completed transfer-in form to: insure@unitymutual.co.uk or by Freepost UNITY MUTUAL (please ensure "UNITY MUTUAL" is written in capital letters).
Step 4
Our customer service team will handle the rest, we’ll let you know in writing once the transfer is complete.
Important documents
Stocks and Shares
Grow your child’s money over the long term with a Stocks and Shares account. (Capital at risk)
Mini First Aid
Receive a free Baby and Child First Aid Class with award-winning Mini First Aid.
Friendly Society
As part of a mutual, Unity Mutual reinvests any surplus directly back into the services we offer, rather than shareholder profits.
Junior ISA transfer FAQs
Yes, we accept Cash Junior ISA transfers if you choose to move your child’s savings. Please make sure you're comfortable with the risks involved in a 'Stocks and Shares' Junior ISA by reading the Key Information Document (Single / Regular premium) and Terms and Conditions.
It depends on whether the contributions are from previous or current tax years.
- Previous tax years: Transfers of contributions made in previous tax years won’t affect the current £9,000 ISA allowance.
- Current tax year: Any amount contributed to any ISA(s) during the current tax year will count towards this year’s £9,000 limit, even if you later transfer that ISA.
- If you're transferring Junior ISA funds contributed in the current tax year, you must transfer the full amount.
No, only the registered contact can authorise a Junior ISA transfer. This is typically the child’s parent or legal guardian and the only person legally allowed to manage the account on their behalf.
Junior ISA transfers should be completed within 30 days of us sending a transfer request to your current provider. However, we cannot guarantee the processing time of other organisations. Please allow up to 30 days for this process to complete.
Unity Mutual will notify you if there are any issues that may be preventing the timely processing of your funds.
No. Unity Mutual does not charge any fees for transferring a Junior ISA. However, we recommend checking with your current provider to ensure they don’t charge exit or transfer fees before starting the process.
Important
This warning relates to our Stocks and Shares products. The value of investments can go down as well as up, so your capital is at risk and you may get back less than you invest. Past performance is not an indicator of future results.
Need help?
Email us
Send us an email at insure@unitymutual.co.uk
Customer centre
Take a look at our customer centre