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Post Office 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 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 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 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 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 (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 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 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 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 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.

Post Office Junior ISA

The Post Office Junior ISA is designed to provide a child with a tax-efficient lump sum at the start of their adult life.

It can be set up by parents and legal guardians of the child with a regular Direct Debit from as little as £10 per month or a lump sum of £500 or more. You can also transfer from an existing Junior ISA or from a Child Trust Fund.

Once the account is opened anyone can contribute by Direct Debit, bank transfer or cheque. The only limit is the maximum amount per year: £9,000 for the 2021/2022 tax year.

However, once the child turns 18 only they will be able to access the money.

Junior Stocks and Shares ISAs

As this is a Stocks and Shares ISA, it is subject to management fees. Post Office charge an annual management charge of 1.5% and other additional expenses of approximately 0.2% of the value of the fund.

Investment ISAs allow you to invest for your child’s future. They can be opened by the child’s parent or guardian with the proceeds being invested on behalf of the child. Once the child reaches 18, the plan can be cashed in or transferred to an adult ISA, but the plan cannot be accessed or cashed in before this time.

In these plans your capital is not protected meaning there can be fluctuations in the capital value of the plan, which can vary dependent on the risk category of the funds invested in. This means that there is a risk that the money paid in may not be worth as much as it initially did once the account matures. However, there is also the possibility of greater returns.

As this is an investment ISA, ideally you should be looking to put away the money for five years or more to allow for rises and falls in the market to settle so if your child is over 13, a Junior Stocks & Shares ISA might not be suitable.

How to Open an Account

You can open a Post Office Junior ISA with a regular Direct Debit from as little as £10 per month or a lump sum of £500 or more.
You are able to transfer in to this account from another provider by filling in a form and you will be able to transfer to another account with another provider at any time.

Oliver Roylance-Smith
Edited by Oliver Roylance-Smith - 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.