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Junior ISA Providers

The Very Latest Junior ISA Rates
Junior ISAs

Junior Stocks & Shares ISA

from Interactive Investor

Regular Savings
  • Investment Options: Choose from more than 40,000 UK and global investment options for your child's ISA.

Why we like it: ii offer a flat fee service which over time could save you money compared to platform providers who charge on the value of investments held. ii offer ready made funds including their ethical funds which allows you to invest in line with your principles covering environmental, social and governance factors.

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.

Junior ISA providers

Junior ISAs, also known as Children’s ISAs were introduced in November 2011 to replace Child Trust Funds. Children's ISAs are designed to help parents save for their children in a tax-free or tax-efficient way.

Each eligible child receives an annual allowance, which gives parents, relatives and family friends a tax-free way of saving and investing for the child's future. Transfers can be made between Junior Cash ISAs and Junior Stocks and Shares ISAs, and between ISA providers, but only one Junior Cash ISA and one Junior Stocks and Shares ISA can be held per child at any time.

Most banks offer a savings account for children but less offer an ISA option. Browse our comparison tables for latest rates and ISA options.

Rules of Junior ISAs

Junior ISAs are very similar to adult ISAs.

Features:

  • The accounts are a tax-efficient wrapper that allow parents, grandparents, friends or guardians to invest up to the maximum allowance a year on a child's behalf, in either cash account or investment funds
  • Savings and investments cannot be cashed in before the child reaches 18 when they will assume full control
  • There are both Junior Cash ISAs and Junior Stocks & Shares ISAs available
  • 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

What to Consider when Comparing Junior ISAs?

Points to consider when comparing Junior ISA providers include:

  • The rate of interest available and whether it’s fixed rate or variable. Check our tables for latest rates
  • Whether the provider offers a Junior Cash ISA or a Junior Stocks and Shares ISA
  • Any fixed term interest bonuses - when these end, you may want to switch to a new provider

Currently, not all of the most well-known banks offer junior ISAs, so you may need to look beyond the high street to find the best deal available. Current Junior ISA providers include Family Investments, Scottish Friendly, Halifax , Alliance Trust and Nationwide, and more. Use the tables above to compare a range of the best children's ISAs that are currently available.

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:

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

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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