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Nationwide Junior ISA

Compare Junior Stocks & Shares ISAs From £10 pm!

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 Beanstalk

  • Invest From: £10
  • Investment Options: Choose from two funds: a cash fund that aims to provide returns in line with money market rates and a shares fund that aims to track the performance of global stock markets.

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.

Nationwide Junior ISA

What is a 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 share ISA at any time. Transfers are permitted between cash and stocks and shares Junior ISAs, or to another Junior ISA provider.

Nationwide Junior ISA Review

Nationwide Building Society is a British mutual financial institution and the largest building society in the world.

  1. You can manage this account with online banking
  2. Can be opened online with a minimum of £1
  3. Can be topped up using a Nationwide Current Account or Instant Access Savings Account
  4. You are unable to withdraw money until the child turns 18
  5. Transfers in and out are permitted
  6. High variable rate of interest
  7. Interest paid annually

This ISA is particularly useful due to the online banking facility. However, if you don’t have a Nationwide account and don’t want to open one then you may have trouble paying money in to the account.

Who Can Open a Junior ISA?

One ISA can be opened per child and can be opened by anyone with parental responsibility over the 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. The child assumes full responsibility of the money at 18, which could prove problematic if you have a specific savings goal in mind.

What are the Rules surrounding Junior ISAs?

In terms of rules and regulations, Junior ISAs are very similar to regular adult ISAs. You can transfer between providers and the allowance can either be put into a Junior Cash ISA or divided between a Junior Investment ISA and a junior cash ISA in whatever proportion you wish.

Unlike Child Trust Funds, Junior ISAs don't involve any Government contribution. Each year there is a Junior ISA allowance.

What are the Advantages of Junior ISAs?

There are several advantages for choosing a Junior ISA over a savings account:

  1. Junior ISAs provide parents, friends and family members with a convenient, tax-efficient way to save for a child's future
  2. The money saved in a junior ISA stays tax-free once the child reaches the age of 18
  3. The money is locked away until the child turns 18, which stops your teenager from being tempted into spending it on unimportant items

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

What are the Disadvantages of Junior ISAs?

Once your child reaches 18, the money is theirs to spend or save as they wish. If you've got a specific savings goal in mind for your child - for example, a mortgage deposit - you might be better off setting up a savings account in your own name so that you can ensure the money is used for the purpose you originally intended

Sam Hodgson
Edited by Sam Hodgson - ISA.co.uk
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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