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F & C Junior ISA

The Very Latest Junior ISA Rates
Fixed Rate Cash ISAs

1 Year Triple Access Cash ISA

from Nationwide

Interest Rate (AER) 0.25%
  • Term: 1 Year, with option to make three free withdrawals
  • Make up to three withdrawals during the 12-month term of this account
  • Open with £1 or transfer in existing ISA funds
  • Manage your account online
  • Interest paid at maturity
  • FSCS Protected
  • Must be UK resident and aged 16 or older
  • Make more than three withdrawals and the rate drops to 0.01% AER/gross p.a. (variable)
  • Not available in branch

Calculate your interest with this plan

Your savings:
You could gain:
£0.00 (per tax year)

F & C Junior ISA

Junior ISAs are a great tax-efficient way to save for your children’s future. Launched in November 2011 by the Government, they offer easy tax-free savings and investments. Each child is able to have one Cash ISA and one Stocks and Shares ISA at any time. Transfers are permitted between cash and stocks and shares Junior ISAs, or to another Junior ISA provider.

If a child already has a Child Trust Fund, they cannot also have a Junior ISA. They are however able to transfer a Child Trust Fund into a Junior ISA.

Transferring involves filling in a form and sending it to your new provider, they will take care of the rest.

F&C Junior ISA Features

F&C can trace its roots back to 1868, when it launched Foreign & Colonial, the world’s first investment trust. In 2014 they became part of BMO Global Asset Management, and ultimately the BMO Financial Group, which has been helping millions of customers meet a spectrum of financial needs for almost 200 years. They have over 25 offices in 15 countries around the world.

  1. You can invest from as little as £1 per day – The minimum deposit F & C require is £30 per month. Alternatively you can invest a lump sum of £250 (after an initial first investment of £500). This means you can top up your child's account in the way that best suits you.
  2. You will have access to their select range of 11 investment trusts - their investment trusts offer a range of asset types including: equities, bonds, property and private equity, both in the UK and globally. These investment trusts all benefit from the skills and expertise of their fund managers meanig you can be secure in making the right choices.
  3. All the family can participate - Grandparents, godparents, friends and relatives can all contribute to the ISA making it an easy way for everyone to save.
  4. Tax-efficient savings - Neither you nor your child will pay tax on income or capital gains in the F&C Junior ISA so your child can make more of the money you've saved. The annual subscription limit for the 2017/18 tax year is £4,128.
  5. Long-term potential of stock market investing – you can take advantage of the benefits which investing in the stock market can bring. Whilst capital isn't guaranteed in the same way as in a cash ISA, there is a possibility of much higher returns.
  6. There is an annual charge of £25 plus VAT.

Who Can Open a Junior ISA?

ISAs can be opened by anyone who has parental responsibility for an eligible 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. 

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.

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Cash ISAs

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Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

5 Considerations for Your Next Investment ISA

15th March 2021

You've decided to invest your savings into a Stocks and Shares ISA. You'll be using your tax-free ISA allowance for this year before the deadline, while also investing your money for your future. But what do you need to consider before opening an account? We've put together a list of our top five considerations for you to think about before you click "apply". 

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