If your investments fall in value, you could lose money. Tax allowances and the benefits of tax-efficient accounts could change. 

Stocks and Shares Junior ISA

We have become part of interactive investor. As a result, you can only open a new Junior ISA if you are already an existing customer of The Share Centre

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No Capital Gains Tax or further Income Tax to pay on profits.

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A head start in adult life

Money cannot be withdrawn before your child reaches 18.

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Invest up to £9,000 this tax year

The annual Junior ISA allowance is set by the government.

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Quick set up

Open an account online in minutes.

Whether saving for university fees, driving lessons or a deposit for a first house, a Stocks and Shares JISA is a great way to save or invest in your child’s future. Parents, grandparents, family and friends can contribute towards giving your child the best start on their journey into adulthood. Just £1.67 a day, from birth, could allow you to build your child £18k by their 18th birthday, so the sooner you start, the better.

What is a Junior ISA?

A Junior Individual Savings Account allows you to save on behalf of a child and build up a pot of money ready for their 18th birthday.

With most forms of saving and investment, any interest or income received, or any gains you make are subject to tax. This can make a significant dent in the overall amount you receive. A Junior ISA enables you to put money away without having to pay any further UK income tax or any capital gains tax on any profits you make. Junior ISAs do not have to be reported on UK tax returns, but the money can only be withdrawn when the child turns 18.

JISAs are available for parents or legal guardians to open for a child under the age of 18, either as a Cash JISA or a Stocks & Shares JISA.

The Junior ISA allowance for 2020/21 is £9,000. This limit means you have until the end of the tax year (April 5th 2021) to subscribe up to this amount. Once the tax year has ended you will not be able to carry this limit into the next year, however a new allowance will be applicable after this date.

Our Junior ISAs

The Share Centre provides two types of Stocks and Shares Junior ISAs for you to choose from: Ready-made Junior ISAs and DIY Junior ISAs. Both types of Junior ISA provide the opportunity for much greater growth by investing your money in the stock market via equities, bonds or funds. Each type of Junior ISA provides different levels of control.

Ready-Made Junior ISA

Leave the investment decisions to the experts with a hassle-free, tax-efficient investment package for your child.

Benefits of a Ready-made Junior ISA:

  • Hassle free - Our experts hand-pick and manage your child's investments for you.
  • Tax-efficient – No UK Capital Gains Tax or further UK Income Tax to pay on profits.
  • No account or 'transfer in' fees - No dealing fees, initial fund charges or monthly admin fees.

Find out more and setup a Ready-made Junior ISA

DIY Junior ISA

Buy and sell a wide range of investments for your child and shelter them from tax.

Benefits of a DIY Junior ISA:

  • Pick your own - You're in control of choosing, buying and selling your child's investments.
  • Wide investment choice - Invest in shares, funds, investment trusts, bonds, gilts, ETFs and more.
  • Fixed monthly account fee - £1.50 per month and a dealing option to suit you.

Find out more and set up a DIY Junior ISA

What you need to open a Stocks & Shares Junior ISA

Once you've decided which type of Junior ISA you'd like to open, it only takes a few minutes to get started. When you apply, you'll need to have:

  • A debit card.
  • Your National Client Identifier.
  • The child’s National Client Identifier (if they have one).

When you open an account, you can either invest a lump sum of £100 or set up a direct debit from as little as £25 a month. After that you can top-up as much or as little as you want.

You should also remember that your investments can go down as well as up in value, so your child may end up getting back less than you put in.

Save as you spend with KidStart

Why invest with us?

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Our comprehensive range of investment tips and tools make it easy to choose and manage your investments.

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As one of the UK’s leading stockbrokers, we are authorised and regulated by the Financial Conduct Authority (FCA).


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Frequently asked questions

You must have parental responsibility i.e. be the parent or legal guardian for the child in order to open a Junior ISA for them. The child must also be under 18 years old and must live in the UK when the account is opened and first funded.

Remember, if they already hold a CTF, they cannot hold a JISA at the same time, but the CTF can be transferred into a JISA.

Children under the age of 16 cannot open a Junior ISA for themselves; this must be done by somebody with parental responsibility.

Children aged 16 or 17 can open their own Junior ISAs but many of the same rules apply as when the account is being opened by a parent: they must be UK resident and under 18 when the account is opened and funded.

All assets held in a Junior ISA is automatically rolled over into the equivalent Adult ISA once the child reaches the age of 18 and will remain within a tax-efficient wrapper in their name.

For example, if the child has a DIY Junior ISA with The Share Centre, it will automatically become a Self-select Stocks & Shares ISA when they turn 18.

The investments made in the DIY Junior ISA will also carry over to the Self-select Stocks & Shares ISA.

At that point the child is entitled to all the assets from the Junior ISA. They can continue saving in the ISA, transfer to a new type of ISA or withdraw any cash and holdings as they wish.

The Share Centre offers a range of ISAs for adults, including Lifetime ISAs, Ready-made ISAs and Self-select Stocks and Shares ISAs. View our full range of Stocks and Shares ISAs to learn more.

View all Stocks and Shares ISAs

The money cannot be withdrawn until the child's 18th birthday. However, they can take control of the investments from the age of 16.