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What happens to the account when a Junior ISA matures?

A Junior ISA automatically becomes a standard ISA when the child turns 18. From this point the child gains full control over the account.

We will write to the child before their 18th birthday to tell them they are about to take over the account, and to check that we have enough proof of their identity to give them access to their investments. If we do not have proof of their identity, then account restrictions will apply in the interim.

We also write to the parent/guardian who has been the registered contact for the Junior ISA, to tell them we will not be able to correspond with them about the adult ISA.

The new ISA will have its own account number and we will create a new Customer Reference Number for the customer.