As of 13 August 2026, AI can only partly find a suitable Junior ISA for your child.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 1 hour until you can act on the result.

   How to actually do it

   1. Open GOV.UK guidance on Junior ISAs and write down the current eligibility, access and tax rules that apply to your child.
   2. Gather your child's age, your planned contribution, the likely date the money may be needed, whether withdrawals before adulthood matter, and whether you already have a Child Trust Fund or Junior ISA.
   3. Decide whether you are comparing cash Junior ISAs, stocks and shares Junior ISAs, or both, and write down how you would react if investments fell in value.
   4. Find the current product pages and key information documents for the providers you are considering, then paste their links or text into the chatbot with the prompt.
   5. Ask the chatbot to produce the comparison and shortlist only from the supplied or precisely cited current sources, with unsupported facts marked as unverified.
   6. Compare every shortlisted product's eligibility, charges, investment or interest terms, transfer rules and access restrictions against the provider's current documents before applying.
   7. If the product choice depends on investment risk, complex family circumstances or a substantial amount, take the comparison to an FCA-authorised financial adviser and ask them to assess suitability.

   Prompt

   Help me compare Junior ISAs available in the UK as at 2026-08-13. This is not professional advice. Do not recommend a product unless the facts are supported by a current provider document or GOV.UK page that I supply or you can quote precisely. Do not invent rates, charges, limits, eligibility rules, fund performance or protection details.
   
   My requirements are:
   - Child's age: [age]
   - Expected time until the money is needed: [timescale]
   - Planned contribution: [amount and frequency]
   - Cash Junior ISA, stocks and shares Junior ISA, or undecided: [choice]
   - My attitude to investment loss: [describe plainly]
   - Need for withdrawals before the child turns 18: [yes or no and why]
   - Existing Junior ISA or Child Trust Fund: [details or none]
   - Providers or products I am considering: [names and links]
   
   First, list the information that is missing and could change the result. Then create a comparison table covering eligibility, minimum contributions, charges, investment choices, interest or return terms where applicable, transfer rules, access restrictions, tax treatment, FSCS or other protection information, and the source and date for every fact. Separate cash Junior ISAs from stocks and shares Junior ISAs. Explain which features fit my stated requirements without presenting that as regulated personal advice. Flag every point I must confirm directly with the provider. End with a short checklist of what I should verify before opening an account and tell me when I should speak to an FCA-authorised financial adviser.

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.