Junior investment accounts

Invest in their future with our accounts – and see their pot grow as they do.

Give your little one a big head start

Our range of children’s investment accounts give you the chance to prepare for everything from education costs to buying their first home, as well as putting the building blocks in place for later life with a pension.

  • Low account fees
    Our low-cost charges mean they’ll have more money when they come to access it. You’ll never pay more than 0.25% account charge, with dealing charges as little as £1.50.
  • Access when the time is right
    Our Junior ISA and Junior SIPP accounts are for the medium to long term, while our Junior Dealing account offers flexible access when it's needed.
  • Anyone can pay in
    Any adult, whether related to the child or not, can pay into these accounts. Shareable account links can be generated through our website.

See our range of accounts

Our range of junior accounts

Junior ISA

Give the little one in your life a big boost with our low-cost junior account.

Key benefits: 

  • Invest up to £9,000 per tax year
  • Money safely locked away until the child is 18 years old
  • Can be opened by parents
  • Anyone can pay into it
  • Convert to an adult account when they turn 18

Junior SIPP

Give them a head-start in later life with the building blocks of a pension.

Key benefits: 

  • Contribute up to £2,880 per tax year and get 20% tax relief, taking the total to £3,600
  • Access from age 55 (57 from 2028)
  • Access to the full range of investment options
  • Link an adult SIPP to your child’s account
  • Convert to an adult SIPP when they turn 18

Dealing account for children

Buy shares, invest in funds, and more with our no-limit account. Also known as a ‘Bare trust’ dealing account.

Key benefits: 

  • No limit on how much you can invest or access
  • No withdrawal restrictions
  • Access to our full range of investments
  • Can use the child’s annual income and capital gains tax allowance for any investment growth

Transferring a Child Trust Fund

If your child has a trust fund and you want more control over how it’s invested, you can transfer a Child Trust Fund to a Junior ISA. And if they’re soon turning 18 or their trust fund has matured, you can transfer it to an adult account.

Remember that tax rules can change in the future and the tax treatment depends on your child’s personal circumstances.

More about transferring a CTF

Still not sure about opening a junior account?

Deciding how to plan for a child’s future can be difficult, especially if you're not sure about which option is best. Here, our experts help by sharing their knowledge.
Investing for children

Investing for children

We look at the different ways you can save for a child’s future.

Junior ISA at 18

What happens to a Junior ISA at 18?

Learn what to do when a Junior ISA matures.

We're here to help you invest

We’ve been helping our customers put their money to work for over 30 years. And with over 620,000 customers, that’s a lot of people taking control of their financial futures. 

We’re not just one of the UK’s largest and best regarded investment platforms, we’re listed on the FTSE 250, we’re regulated by the Financial Conduct Authority (FCA), oh, and we’re a Which? Recommended provider seven years running, 2019-2025. 

So, when you're ready to feel good, investing, we're here to help.
Which 7 years running