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Junior ISAs

Compare the latest Junior ISA ideas
Here you'll find our selection of the latest junior ISAs available from leading providers. Choose from a wide range of funds, shares, bonds and cash options to help you make the most of your child's ISA allowance.
Junior ISAs

Scottish Friendly My Select Junior ISA

from Scottish Friendly

Regular Savings
  • Investment Options: Invest from £10 a month or a £50 deposit

Why we like it: Invest tax-free from £10 a month or a £50 lump sum — or a mix of both. You can raise, lower, stop and restart your payments any time you like.Offers a range of funds so it’s possible to choose the ones that suit your child’s needs best.

One Family Junior ISA

from OneFamily

  • Investment Options: From £10 a month

Apply online and set up a direct debit of £20 or more and receive a £30 Amazon voucher. T&C’s apply, see OneFamily website. 

Charles Stanley

from Charles Stanley

Regular Savings
  • Investment Options: Invest from £50 per month or deposits of £500.

Why we like it: Charles Stanley Direct offers a Stocks and Shares Junior ISA with no initial charges or additional annual fees. Choose from a range of investments including shares, funds, gilts, bonds, investment trusts and ETFs.

BLACK FRIDAY SHARE DEALING - £5 PER TRADE. All trades executed on the 25 November 2016, normally charged at £11.50, will instead be charged at just £5

Junior Stocks and Shares ISA

from Hargreaves Lansdown

  • Investment Options: Invest from £25 per month or deposits of £100.

Choose from over 2,500 unit trusts and OEICs from leading fund managers. 

Fidelity Junior ISA

from Fidelity

Regular Savings
  • Investment Options: Over 1200 Funds from over 70 Investment Companies

What is a junior ISA?

Junior ISAs are an initiative by the Government to help parents save for their children's future. Launched in November 2011, junior ISAs offer tax-free savings and investments. Each eligible child is allowed to have one cash ISA and one stocks and share ISA at any time. Transfers are permitted between cash and stocks and shares junior ISAs, or to another junior ISA provider. Children who were born between 1st September 2002 and 3rd January 2011 will already have a Child Trust Fund, and are therefore not eligible for a junior ISA.

Who is permitted to open a junior ISA?

ISAs can be opened by anyone who has parental responsibility for an eligible child. One ISA can be opened per child. Management of the ISA passes to the child when they turn 16. However, funds remain inaccessible until the child turns 18, after which they can either withdraw the funds, or have their account roll over into an adult ISA.

What are the rules surrounding junior ISAs?

In terms of rules and regulations, junior ISAs operate on a similar principle to regular adult ISAs. It's permissible to switch providers, but only one junior ISA can be held by each child at a time. Unlike Child Trust Funds, junior ISAs don't involve any Government contribution. Each year there is a junior ISA allowance. This allowance can either be put into a junior cash ISA or divided between a junior stocks and shares ISA and a junior cash ISA in whatever proportion you wish.

What are the advantages of junior ISAs?

  • Junior ISAs provide parents, friends and family members with a convenient, tax-efficient way to save for a child's future.
  • The money saved in a junior ISA stays tax-free once the child reaches the age of 18.
  • The money is locked away until the child turns 18, which stops your teenager from being tempted into spending it on unimportant items.
  • If you want to save an annual amount for your child that generates over £100 in yearly interest, a junior ISA ensures that this interest isn't taxed.

What are the disadvantages of junior ISAs?

  • Once your child reaches 18, the money is theirs to spend or save as they wish. If you've got a specific savings goal in mind for your child - for example, a mortgage deposit - you might be better off setting up a savings account in your own name so that you can ensure the money is used for the purpose you originally intended.
Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

Cash ISAs

ISAs are a tax-advantageous way to save or invest, check out some of the ISA options below

ISAs Products

Fund ISAs

There are a range of types of fund ISA

Fund ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

How to choose the best ISA?

16th November 2016

You can invest your full ISA allowance of £15,240 into one ISA or split your allowance between the three types of ISA available. Cash, Stocks and Shares and Innovative Finance. However, this leaves the question of how to choose what works best for you?

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