skip to main content
Homepage /

Natwest 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 Stocks & Shares ISA

from Nutmeg

  • Invest From: £100
  • Investment Options: Choose your investment style and preferred risk level. Capital at risk. Approved by Nutmeg 24/02/2023
See Deal

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.
See Deal

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.
See Deal

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. Please note: As with all investing, your capital is at risk you may get back less than you have put in. The value of the ISA will depend on the performance of the investments and any bonuses cannot be guaranteed. Additionally, if investment conditions are poor, we may apply a Market Value Reduction (MVR).
See Deal

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
See Deal

Socially Responsible Junior Stocks & Shares ISA

from Nutmeg

  • Invest From: £100
  • Investment Options: Nutmeg offer a socially responsible junior investment ISA which places emphasis on environmental and social and governance factors. Capital at risk. Approved by Nutmeg 24/02/2023
See Deal

Junior Stocks & Shares ISA

from Best Invest

Regular Savings
  • Invest From: No Minimum
  • Investment Options: Choose your own investments, invest with help from an adviser or let the experts take care of it all for you. Capital at risk.
See Deal

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. Please note: As with all investing, your capital is at risk you may get back less than you have put in. The value of the ISA will depend on the performance of the investments and any bonuses cannot be guaranteed. Additionally, if investment conditions are poor, we may apply a Market Value Reduction (MVR)
See Deal

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.
See Deal

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.
See Deal When you take out a My Select (Junior ISA) Scottish Friendly will pay £50 into the Junior ISA for your child.

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.
See Deal

Natwest Junior ISA

A Junior Stocks and Shares ISA is a way of investing for your children in a tax-efficient fund, where you can invest up to £9,000 for the 2022/23 tax year. The funds in the account are in the name of your child and belong to your child but they won’t be able to withdraw any funds until they reach the age of 18. When they reach 18 years of age, the Junior Stocks and Shares ISA will convert to an adult ISA, with the child being the owner. At this point, they will be able t do whatever they like with the money.

The Natwest Junior ISA is open to children under the age of 16. However, if your child already holds a Child Trust Fund, they can't also open a Junior ISA, but the Child Trust Fund can be transferred to a Junior ISA by following the standard transfer procedure.

Natwest Junior ISA Features

It’s important to note that Junior ISA investments are linked to shares so the value of the account could fall as well as rise, and your child may get back less than has been invested.

However, Junior Stocks and Shares ISAs are tax efficient and there is no capital gains tax and no UK income tax to pay on the income on investments within a Junior ISA and it is possible to make gain higher returns than with a standard Cash ISA.

There are two ways to setup a Junior Stocks and Shares ISA with NatWest:

  1. Set up a direct debit for a minimum £20 per month
  2. Invest a lump sum of £250

Why Invest in a Junior ISA?

  1. The potential for higher returns. The NatWest Junior ISA invests in stocks and shares and so offers the potential for better returns than a Junior Cash ISA over the long term. Unlike a Junior Cash ISA, the NatWest Junior ISA can go down in value as well as up. The growth or income it generates each year can also fluctuate, unlike Junior Cash ISAs which receive a set rate of interest.
  2. Charges – There are no upfront charges, and the ongoing charge is capped at 1.5 % per year
  3. Top up the investment – you can save regularly with a Direct Debit or, you and your friends or relatives can make additional investments from as little as £1 a time, up to a limit of £9,000 for the 2022/23 tax year. This creates an easy way for a family to save for a child’s future.
Sam Hodgson
Edited by Sam Hodgson - ISA.co.uk

Frequently Asked Questions

Junior Stocks and Shares ISAs are regulated by the Financial Condict Authority (FCA) and covered by the Financial Services Compensation Scheme (FSCS).

You are not protected from losses in the value of your investments, but you are covered if your Stocks and Shares JISA provider goes into liquidation. 

If you invest in a Junior Cash ISA, your money cannot go down. However, if you open a Junior Stocks and Shares ISA then the investments you buy could fall in value as well as rise.

No withdrawals are allowed until your child is 18. They can then make withdrawals at their own discretion.

You can top up a Junior Shares ISA online, via your mobile app, over the phone, or by post with a cheque.

You can add money with a lump sum or regular direct debit.

Anybody can add money to your child’s JISA; however, the accounts must be set up and managed by a parent or legal guardian.

To contribute to someone else’s JISA, you will just need the account reference number and some of the child’s personal information.

Important Risk Information:

Important: Capital at risk. Tax treatments depend on your individual circumstances and may change. 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.

This website uses cookies to improve user experience. By using our website you consent to all cookies in accordance with our Cookie Policy. Cookie Policy