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

Ready-made Junior ISA

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

Ready-made Junior ISA benefits

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Experts handpick and manage your child’s investments for you.

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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Money cannot be withdrawn before your child reaches 18

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No account or ‘transfer in’ fees

No dealing fees, initial fund charges or monthly admin fees.

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Invest up to £4,260 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.

Your child’s investments

All money paid in will be invested in our TC Share Centre Multi-Manager Balanced Inc Fund, which contains a range of funds from well-known providers. This enables you to benefit from their expertise and spread risk by diversifying across different markets and sectors.

Ready-made Junior ISA costs

The annual management charge and ongoing charge (see links above) for your child’s fund are taken from the fund itself, so you don’t need to worry about paying them separately. There are no account fees, dealing fees, or initial fund charges to pay.

Statements & contract notes by post rather than email £2.40 per month
Transfer to another provider £25 per account
Bounced cheque or unpaid Direct Debit £25
Deceased customer account administration £50

Costs and charges illustration

To give you a feel for the costs involved, our cost sheet includes an illustration of costs you will pay, based on how much you invest and what type of investments you choose.

Download Black View costs & charges sheet

Payment of charges

Ongoing fund charges are automatically taken from your fund. If you opt for postal statements & contract notes, the fee will be collected from your account on the 26th of each month, or the next business day.

What interest will be paid on cash?

Gross interest on any cash you hold will be credited to your account quarterly at the Bank of Scotland base rate, minus 3.5% (min. 0%). We may retain the difference between the interest paid to you and the interest we are able to earn, as permitted by The Financial Conduct Authority.

Why invest with us?

Fixed monthly account fee

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A low monthly admin fee of £4.80 per month and a dealing option to suit you, enabling you to get the most from your investments.


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Invest up to £20,000 this tax year. No Capital Gains or further Income Tax to pay on profits.

Pick your own

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Choose from a wide range of range of investments: shares, funds, investment trusts, bonds, gilts, ETFs and more.