Under HMRC rules, one parent or legal guardian is responsible for setting up a Junior ISA, so with most Junior ISA providers just one parent/legal guardian has access to the account. As a result, only one of the parents can see how the JISA is performing and contributions that have been made leaving the other in the dark.
At Beanstalk we know the frustration that this can cause, which is why our app offers significantly more flexibility on who can view the account and how much information is accessible making it a great option for co-parents.
The stereotypical 2.4 children family isn’t the reality for many families nowadays. The Department For Work and Pensions tracks figures on family populations and at the end of the 2025 financial year they calculated that there are 2.4 million separated families in Great Britain and 3.9 million children in those separated families.
With Beanstalk our goal is to provide families with a modern way to save and invest for their children making it really easy for all members of the family to help out as well as see instantly how their children’s savings are performing. Through our unique app, the parent who opens the account can invite their co-parent, step-parent, grandparents and others to connect to their child’s account. Once accepted, the donor is linked to the Junior ISA and can top up the account themselves from their own app using all the savings tools we offer.
Not only that but the parent can decide how much information the linked donor can see on the child’s account. Donors can either just see the gifts they have made or by setting ‘full view’, the invited person can see the same level of account detail as the parent who opened the account. This is ideal for co-parents as both parents can have full visibility into their child’s savings, even if they are no longer living together.
allocations
This is a unique feature on Beanstalk and something that other providers do not offer and we know from feedback that both parents being able to instantly see their child's account is something users find really helpful.
As well as these unique “family” features, Beanstalk also gives users a variety of other tools to help them save for their child’s future:
- Cashback from over 2,000 retailers paid into the child’s Junior ISA including 1% back on energy bills with Octopus Energy
- Round up your purchases when you spend and save the difference
- Unique Gift Link for your child to share with family & friends, perfect for birthdays and Christmas!
Find out more about the Beanstalk Junior ISA and adult ISA.