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HSBC Junior ISA

Invest up to £9,000 tax free for your child!

Investment ISAs put your capital at risk & you may get back less than you originally invested

What you're looking for isn't available; however, these brands may offer suitable alternatives

Junior Sustainable Stocks & Shares ISA

from Shepherds

Regular Savings
  • Invest From: £10 pm
  • Investment Options: The fund aims to invest in sustainable companies that offer long-term growth, while making a positive difference to the world your child grows up in. Capital at risk.

Junior Stocks & Shares ISA

from Hargreaves Lansdown

Regular Savings
  • Invest From: £25 pm
  • Investment Options: Invest in over 3,000 funds, UK and overseas shares, investment trusts and ETFs. Capital at risk.

Junior Stocks & Shares ISA (Future World ESG Developed Index Fund)

from Legal & General

Regular Savings
  • Invest From: £25 per month
  • Investment Options: Invests in broad developed stock markets, such as the US, Japan and Europe. Capital at risk.

Junior Ethical Stocks & Shares ISA

from Nutmeg

Regular Savings
  • Invest From: £100 lump sum
  • Investment Options: Nutmeg offer a socially responsible junior investment ISA which places emphasis on environmental and social and governance factors. Capital at risk.

Junior Stocks & Shares ISA

from AJ Bell

Regular Savings
  • Invest From: £25 pm
  • Investment Options: AJ Bell offer a wide range of investments including shares, funds, investment trusts and ETFs (exchange traded funds). Capital at risk.

Junior Stocks & Shares ISA

from Interactive Investor

Regular Savings
  • Invest From: £25 pm
  • Investment Options: Choose from more than 40,000 UK and global investment options for your child's ISA. Capital at risk.

Junior Stocks & Shares ISA

from Nutmeg

  • Investment Options: Invest in one of four expertly designed portfolios depending on your investment style. Capital at risk.

Junior Stocks & Shares ISA

from Wealthify

Regular Savings
  • Invest From: £1
  • Investment Options: Choose from one of five investment styles based on risk, and a team of experts build your child’s Junior ISA, choosing which investments to buy and managing them on your behalf

Junior Stocks & Shares ISA

from Shepherds

Regular Savings
  • Invest From: £10 pm
  • Investment Options: Is an insurance based Junior ISA which invests in stocks and shares via a With-Profits pooled fund. Capital at risk.

Junior Stocks & Shares ISA

from Scottish Friendly

Regular Savings
  • Invest From: £10 pm
  • Investment Options: A selection of 9 funds so you can tailor your child's investment. Capital at risk.

HSBC Junior ISA

A Junior ISA is an initiative by the government to encourage and help parents to save for their children’s futures. It was launched in 2011 and both tax-free savings and investment ISAs are available.

You’re able to have one of each type of ISA per child and transfers are permitted between the two or to a new provider, much like adult ISAs.

The current junior ISA allowance is £9,000.

HSBC Junior ISA Review

HSBC Bank plc is one of the largest banking and financial services organisations in the world. HSBC's international network comprises around 7,500 offices in over 80 countries and territories in Europe.

HSBC do not currently offer a Junior ISA saver but do offer a child’s savings account which does not fall under the tax-free wrapper.

Find further information on junior ISAs below.

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.

It’s worth taking in to account that you no longer have any control over the money once they child receives it and therefore, if you have a specific savings goal for the money in mind then it may be best to open a savings account in your name.

What are the rules surrounding Junior ISAs?

Junior ISAs operate on a similar principle to regular adult ISAs. It's permissible to switch providers, but only one of each type of  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. The money will automatically pass to the child when it reaches 18 but no withdrawals are permitted before then.

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

  1. The money saved in a junior ISA stays tax-free once the child reaches the age of 18
  2. The money is locked away until the child turns 18

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

Important Risk Information:

Important: Investments can go down in value as well as up, so your child could get back less than you invest. The information on this page isn't personal advice - if you’re not sure if an investment is right for you or your child, please ask for advice. ISA tax rules can change and their benefits depend on individual circumstances.

Lifetime ISAs

Save for your first home and retirement

Compare Lifetime ISAs

Junior ISAs

Invest for your child’s future

Compare Junior ISAs: 

Stocks & Shares ISAs

Invest tax-free in stocks and shares 

Compare 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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