A parent or guardian with parental responsibility can open a cash Junior ISA for a child under 16 in the UK. But they can only withdraw it once they turn 18. To open a normal ISA, like a Cash ISA, your child must be at least 18 years old, and open it in their own name.

With a Tembo Lifetime ISA, you can send money directly into your child’s account through their individual Gift Link. This is an easy and secure way for loved ones to add money to an account, without having to swap sort codes. Plus, you can contribute as little as £10, all the way up to whatever's left of their ISA allowance for this year.