skip to main content
Homepage /

ISAs for Children

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

Junior ISAs

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 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

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.

Junior Stocks & Shares ISA (FTSE 250 Index Tracker Fund)

from HSBC

Regular Savings
  • Invest From: £25 pm
  • Investment Options: The Fund's investment objective is to provide long term capital growth by matching the capital performance of the FTSE 250 Index by investing in companies that make up the index. 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 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 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.

ISAs for Children

The Junior ISA replaces Child Trust Funds, which are no longer available. Child Trust Funds were launched in 2005 and were available to children born between September 1, 2002, and January 2, 2011. There are an estimated six million child trust funds in Britain, each one holding on average £750. Parents of children with CTFs do not currently have the option to move their balance to a junior ISA to gain more attractive terms. However, this may soon change, allowing parents to transferring the £4.8billion currently tied up in child trust funds into Junior ISAs.

Children's ISA rules

  • The child must not already hold a Children's Trust Fund (CTF) account.
  • The child can have both a junior cash ISA and a junior stocks and shares ISA in any given tax year, as long as total amount invested during the year is no more than the annual allowance
  • If child is under 16 someone with parental responsibility must open the Junior ISA
  • Funds in the account will be owned by the child it is opened for and will be locked in until the child reaches 18
  • Eligible children can hold one cash ISA and one stocks and shares ISA at a time
  • Anyone can contribute to a child’s account at any time up to the annual limit
  • All contributions to a Junior ISA are a gift to the young person and cannot be returned to the contributor later if they subsequently change their mind. 

Advantages of children's ISAs

Junior ISAs provide parents, friends and family members with a convenient, tax-efficient way to save for a child's future. 

An added advantage is that the money saved in a junior ISA stays tax-free once the child reaches the age of 18.

Limitations of children's ISAs

If your child already has a Child Trust Fund, they aren't eligible for a junior ISA, and there's currently no facility to transfer money from Child Trust Funds into junior ISAs. Also, bear in mind that once your child reaches 18, the money is theirs to spend or save as they wish.

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". 

Newsletter Signup

Sign up to our Newsletter to get exclusive news and offers direct to your inbox.

About us

ISA.co.uk is a trading style of Fair Investment Company.

We've been comparing and recommending ISAs for many years so you can trust you're in good hands.

About us

4.74 Average

23 Reviews

Jen

I found the way the different options are presented very clear - much more useful than some other comparison sites. I sent it to my daughter as well.

Paul

Very informative, find myself a good ISA account with best return in terms of interest.

Sue

Easy to use website and up to date. Saved the link on my tablet.

Rob Holden

The website was very useful and informative.

Andrew Johnson

ISA can be confusing at first and this site includes a useful and helpful introduction into the world of ISAs