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Compare Junior Stocks & Shares ISAs From £10 pm!

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 Nutmeg

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

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 (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 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 ISA Limit

The Junior ISA limit for the 202`/22 tax year is £9,000.

What is a Junior ISA?

Junior ISAs are a savings initiative launched by the government in November 2011 in order to replace the Child Trust Funds. Each child is entitled to the annual allowance which provides parents, relatives and family friends an easy way to save for a child’s future.

Transfers can be made between Junior Cash ISAs and Junior Stocks and Shares ISAs as well as between providers. You can also convert your Child Trust Fund in to an ISA but you will not be able to open a Junior ISA without transferring the Trust Fund first. A child may only hold one Junior Cash ISA and One Junior Stocks and Shares ISA at the same time.

Why Should I use my Child's Junior ISA Allowance?

There are advantages and disadvantages to ISAs but it’s good to be aware of all your options. 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.

Cash ISAs are becoming less popular due to the dwindling interest rates and many savings accounts now offer a higher rate. Children are also entitled to the Personal Savings Allowance so if you’re planning on saving an amount under the limit, a savings account could offer you a better deal.

Who is allowed to Put Money into a Junior ISA? Are there any Restrictions?

Anybody can place money in to the account. Family members, friends, or organizations can contribute to a Junior ISA on behalf of a child, but it must be set up by someone who has parental responsibility for the child. Once the child reaches 16, they can manage the ISA themselves, but nobody will be able to withdraw any money from the account until the child reaches the age of 18 when full responsibility transfers to the child.

Are there any regulations that make a Junior ISA different from an Adult ISA?

On the whole, Junior ISAs are very similar to regular adult ISAs in terms of rules and regulations

Features:
  • Savings and investments cannot be cashed in before the child reaches 18 when they will assume full control
  • Like adult ISAs, you can divide the Junior ISA allowance between cash and investments in whatever proportion you wish
  • Children who already have a Child Trust Fund do not qualify for a junior ISA. However, you are able to transfer the trust fund to an ISA
  • A young person aged 16 can open their own Junior ISA. They can also open a regular cash ISA as well
  • An adult with parental responsibility may open a junior ISA on behalf of someone aged under 16 years old
  • Anyone can contribute towards the Junior ISA once it is opened, including grandparents, family members and friends
  • All money contributed into a junior ISA is considered a gift and cannot be subsequently returned to the giver if they change their mind
  • No withdrawals can be made from the account, until the child turns 18 at which point the account rolls over into a normal type of ISA, in their name, and they can do with it whatever they wish

GUIDE TO JUNIOR ISAS

Give your child a great start in life

Junior ISAs are a popular way for family and friends to build up tax-efficient savings and investments for eligible children to help them with the cost of university, provide a deposit for a house or simply give them a great start in life.

This guide explains what a Junior ISA is, the rules and:

  • The age limit for Junior ISAs
  • How much can I invest in a Junior ISA?
  • The tax benefits of investing in a Junior ISA
  • Who can open a Junior ISA

Get a FREE Guide to Junior ISAs »

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

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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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