Junior ISAs were introduced on 1 November 2011 with an initial subscription limit of £3,600, which was increased to £9,000 by the time of the 2020-21 tax year. At age 18 the JISA converts to an adult ISA. Like adult ISAs, JISAs are available in both cash and stocks and shares types. Money cannot be withdrawn until age 18 unless a terminal illness claim is agreed or following closure of the account after the death of the child. A child can open their own account from age 16, otherwi…