Transfer your Child Trust Fund to a Junior ISA
Invest for your future and transfer your existing Child Trust Fund into a Junior ISA with Unity Mutual
Why transfer your Child Trust Fund to a Junior ISA?
If you or your child have an existing Child Trust Fund and are looking at what to do with the savings, transferring to a Junior ISA can be one option worth considering. Here are some of the key features of the Unity Mutual Junior ISA:
Tax-free savings
Your money continues to grow free from income tax and capital gains tax, just as it does in a Child Trust Fund.
Friendly support
Once we receive your completed transfer form, we'll handle the rest with your current provider and set up your new Junior ISA.
Managed investments
Your savings are invested in an Equity Fund, which tracks the performance of over 600 UK companies, spreading the risk.
How to transfer a Child Trust Fund to a Junior ISA
Although Child Trust Funds are no longer open to new applicants, you can transfer an existing one to a Junior ISA.
Transferring your Child Trust Fund into a Junior ISA is a straightforward process and we’re here to help you every step of the way.
Below you'll find a step-by-step guide to the transfer process.
How to transfer your Child Trust Fund to a Unity Mutual Junior ISA
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.
Tax-free investing
Any growth in your Junior ISA is completely tax‑free, no capital gains or income tax to pay.
Mini First Aid
Receive a free Baby and Child First Aid Class when you transfer to a Unity Mutual Junior ISA, thanks to our partnership with award-winning Mini First Aid.
Peace of mind
Savings are 100% protected by the Financial Services Compensation Scheme (FSCS) with no upper limit.
Child Trust Fund to a Junior ISA Transfer FAQs
Yes, we accept Child Trust Fund transfers if you do 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.
No, transferring a Child Trust Fund to Unity Mutual won’t affect this year’s £9,000 contribution limit. Junior ISAs follow the tax year (April to April), and Child Trust Fund transfers don’t count toward the annual allowance – only new contributions made within the same tax year do.
No, only the registered contact can authorise a Child Trust Fund transfer to a Junior ISA. This is typically the child’s parent or legal guardian and the only person legally allowed to manage the account on their behalf.
Transferring a Child Trust Fund to a Junior ISA 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 Child Trust Fund to 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.
Please read the Key Information Documents and Terms and Conditions for the Junior ISA.
Please note past performance is not an indication of future performance.
Take a look at how our Unity Mutual Equity Fund has performed over the last 12 months, which is the fund our Junior ISA invests in. The performance is tracked on monthly intervals. Hover over each point to see the unit value at that time.
Current Price: 2.359
Take a look at how our Unity Mutual Equity Fund has performed over the last few years, which is the fund our Junior ISA invests in. The performance is tracked over six-monthly intervals. Hover over each point to see the unit value at that time.
Current Price: 2.359
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Send us an email at insure@unitymutual.co.uk
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