Junior and Adult ISA allowance

My 16 year old has a pre existing stocks and shares junior ISA and an adult cash ISA which was opened in the 23/24 tax year For the 24/25 tax year what is she able to contribute to her junior ISA and to her adult cash ISA? Is the limit £20k across both combined, or is she able to contribute £9k to junior ISA and £20k to adult cash isa as per previous tax year, or only to one of either? Much appreciate HMRC guidance Thank you

Hi,

As they are only 16 they cannot have both a junior and an adult ISA as you need to be 18 to open an ISA so their limit will be restrcited to £9000.
Please see guidance below.

Individual Savings Accounts (ISAs)

Junior Individual Savings Accounts (ISA)

Thank you.