Junior ISA

Give the little one in your life a big boost with our low-cost Junior ISA account – an easy, tax-efficient way to build for their future. 

Open a Junior ISAView charges

Give your little one a head start

Build a bright financial future for the child in your life, with an AJ Bell Junior ISA. Unlike a cash ISA, ours is a Stocks and shares ISA offering growth potential beyond just interest rates. If only raising children were this straightforward. 

  • Invest up to £9,000 a year 
    Each tax year, there’s a personal allowance of £9,000 to invest into a Junior ISA account. And the best part – anyone, including friends and family, can pay into the account.
  • Tax-free investing 
    With a Junior ISA, there’s no income or capital gains taxes on any growth. That means they keep all the money in their account.
  • Safely locked away
    Money can only be accessed once they turn 18, leaving plenty of years to grow.
  • Start investing from just £25  
    Once you've funded your account you’re ready to go. Set up a £25 monthly direct debit, make a one-off £250 payment, or transfer an ISA for free.

Open a Junior ISA  

View Junior ISA key features  

We keep our charges low

Our low-cost charges mean you have more money available to get the best value from your investments.

Account charge

Never pay more than
0.25%

Dealing charge

Deal online for as little as
£1.50

Charges calculator

Choose your investments

You’re the decision maker when it comes to choosing how and where to invest your money. Although we can’t give you recommendations, we can support you along the way by taking the confusion out of investing.
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I need some ideas

Here you’ll find our AJ Bell managed funds, as well as a list of standout funds that we’ve chosen based on value and potential for growth, and Starter portfolios built by our experts and managed by you.

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Show me all the options

See our full range of investment options across all markets and sectors, including over 2,000 funds, shares, trusts, ETFs, bonds and gilts – with dealing charges starting from just £1.50.

Expert tips on… 
Junior ISAs

Understanding how to manage a Junior ISA account is important for anyone interested in investing for the child in their life.

Dan Coatsworth  Editor-in-Chief

Dan Coatsworth
Editor-in-Chief

  • The account is managed by the parent or guardian who opened it.
  • Any adult, whether related to a child or not, can pay into a Junior ISA by asking the parent for a link generated via AJ Bell’s website.
  • Money cannot be taken out of the account until the child turns 18. At this point it will automatically turn into an adult Stocks and shares ISA.
  • Our Junior ISAs let you choose from the same wide range of investments as our Stocks and shares ISAs, including shares, funds, investment trusts and bonds.
  • Up to £9,000 can be subscribed into a Junior Stocks and shares ISA each tax year.
  • If your child already has a Child Trust Fund, you’ll need to transfer it over when opening a Junior ISA, as both accounts can’t be held at the same time.

Open a Junior ISA   

See Junior ISA key features    

Our most popular Junior ISA questions

Having the right information is important when making investment decisions. Here are the most frequently asked questions we get about Junior Stocks and shares ISAs.

Need more help?

Our customer support team are here to help when you need it. Here’s how to get in touch.
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Still not sure about opening a Junior ISA?

We get it. Deciding how to plan for a child's future can be difficult, especially if you’re unsure about investing. Here, our in-house experts help you by sharing their knowledge. 
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Investing for children

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

Alarm clock

Is it better to invest early on?

Exploring the different ways you can start investing.

JISA at 18 card

What happens to a Junior ISA at 18?

Learn what to do when a Junior ISA matures.

Visit our Learn hub

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