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Barclays Junior ISA

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Junior ISAs

Junior Stocks & Shares ISA

from Fidelity

Regular Savings
  • Investment Options: Fidelity offer Over 140 providers with over 4,000 investment options

Why we like it: You can tell Fidelity your risk preferences and they will suggest funds for you to consider for your child. You can also use their "Select 50" list of Fidelity's favourite funds. Alternatively If you want to look at all investment options you can use their poweful search tool. Fidelity have a low cost service fee that starts from 0.35% pa.

Special offer:

Invest and get £25 cashback » 

Build your child's savings with a junior ISA and receive £25. Exclusions, T&Cs apply.

Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.

Junior Stocks and Shares ISA

from Hargreaves Lansdown

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

Why we like it: Invest for your child from £25 pm tax free. A wide range of top performing funds to choose from. The annual charge for holding investments in a Hargreaves Lansdown Junior ISA is never more than 0.45%. Your dealing and other charges will depend on the investments you choose.

Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.

Friendly Junior ISA

from Shepherds

Regular Savings
  • Investment Options: Invest from £10 a month or a £100 deposit

Why we like it: Your child’s money will be invested on your behalf through a fund manager and it will be invested primarily in stocks and shares, with the aim of achieving higher growth over the long-term than might be available by saving in a cash-based Junior ISA.

Important: Please remember the value of your investment and any income from it may fall as well as rise and is not guaranteed. You may get back less than you invest.

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 selection of eight funds to choose from, so you can tailor your child's investment.

Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.

Barclays Junior ISA

Barclays don’t currently offer a Junior ISA but they do offer a range of Junior Savings accounts. 

You can find some information on Junior ISAs below.

What is a Junior ISA?

Junior ISAs work in a similar way to adult ISAs by allowing you to save money for your child without paying Income Tax (or Capital Gains Tax) on the interest or returns you receive.

You can open a Junior ISA as long as you’re either the parent or guardian of the child, but the money belongs to the child. This means that you (or any friends and family) can pay money in, up to the annual JISA allowance each tax year, but you won’t be able to make any withdrawals until the child turns 18. Once your child turns 16, they’ll be able to take control of the account and add money to it if they want to, the money then passes fully to the child when they reach 18.

Types of Junior ISA

Just like adult ISAs, there are 2 types of JISA that you could choose to open:

Junior Cash ISA - Junior Cash ISAs work in a similar way to a normal savings account, except that you don’t pay UK Income Tax on the interest your money earns.

Junior Investment ISA - Junior Investment ISAs can offer a potentially higher rate of return on the money as savings are invested in the stock market. And you also won’t pay UK Income Tax or Capital Gains Tax on any of the returns.

However, it’s important to consider that the value of investments – and so, the amount in the JISA – could go down as well as up.

Why use a Junior ISA?

Recent research suggests that the vast majority of parents with children under 18 believe it's important to save on behalf of their child, but over half of those questioned said they hadn't heard of Junior ISAs. Launched in November 2011, junior ISAs offer each eligible child an annual allowance - just like an adult ISA allowance - which can be put into a cash ISA and a stocks and shares ISA, in whatever proportion the adult opening the account chooses.

Are there any regulations that make a junior ISA different from an adult ISA?

Junior ISAs are quite similar to regular adult ISAs in terms of rules and regulations. It's important to note that the junior ISA limit can be divided between a cash ISA or a stocks and shares ISA in whichever proportion you wish. You can also switch a Junior ISA from a cash ISA to a stocks and shares ISA, and vice versa.

Important Risk Information:

The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks and commitments. This website aims to provide information to help you make your own informed decisions. It does not provide personal advice based on your circumstances. If you are unsure of how suitable an investment is for you, please seek personal advice.

High Income ISAs

High income ISA ideas:

ISAs Products

Cash ISAs

Fixed Rate & Instant Access ISAs:

Cash ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

Our Top Picks for Technology Stocks and Shares ISAs

19th January 2021

The tech industry has been booming for the past fifteen years; and it seems to be a rollercoaster that only goes up. The tech bubble has yet to burst, with companies coming out with more and more technological developments and consumer demand is certainly not slowing down. So, for the tech-savvy investor who wants to put their pennies behind this strong growing industry, we’ve put together our top three picks for Technology Stocks and Shares ISAs. 

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