Interactive Investor

Junior Stocks and Shares ISA

Our Junior Stock and Shares Individual Savings Account (Junior ISA) is a tax-efficient way to invest in your child's future.

Make the world their oyster

Important information - investment value can go up or down and you could get back less than you invest. If you're in any doubt about the suitability of a Stocks & Shares ISA, you should seek independent financial advice. The tax treatment of this product depends on your individual circumstances and may change in future. If you are uncertain about the tax treatment of the product you should contact HMRC or seek independent tax advice.

What is a Junior Stocks and Shares ISA?

A Junior Stocks and Shares ISA, also known as a JISA, is a tax-efficient savings and investment account for under 18s. 

Junior ISAs can only be opened by the child's parent or guardian, but anyone can pay into it after that. It is the parent or guardian’s responsibility to manage the funds in the account on the child’s behalf. 

A Junior Stocks and Shares ISA could give you better returns than cash savings – but this is not guaranteed. If you are unsure about whether you should invest, then seek independent advice.

Junior ISAs (JISA): all you need to know

How much can I invest in a Junior ISA?

You can save up to £9,000 a year in a JISA, without paying tax on any gains. Your child can access the funds in the Junior ISA when they turn 18.

Learn more about the Junior ISA annual allowance.

How to open a Junior ISA

It is quick and easy for existing customers to open a Junior ISA. Before applying, please read our Junior ISA Key Features and our Junior ISA Terms.

Open a Junior Stocks & Shares ISA

You must have an ISA or Trading Account before you can add or transfer a Junior ISA.

Transfer a Junior ISA

Once you have opened an account with ii, simply log in and click the 'cash & transfers' menu then select 'transfer in'.

Transfer a Child Trust Fund (CTF)

Transferring a CTF to a Junior ISA is easy and can be done when opening the ISA.

Parental Responsibility: This is an HMRC requirement. Please be aware that grandparents do not automatically have parental responsibility.

Risk warning: The value of any investment can go down as well as up and your child might not get back what was originally invested. The tax treatment of a Junior ISA depends on individual circumstances and tax rules may change. If you’re unsure about the suitability of a Junior ISA or any investment please speak to a suitably qualified financial adviser.

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Junior ISA fees and charges

New customers will need to open a Stocks and Shares ISA or Trading Account on our Investor or Super Investor plans before adding a Junior ISA at no extra cost. Junior ISAs are not available on our Pension Essentials and Pension Builder plans.

Simply choose one of our flat fee subscription plans. It's easy to change plan at any time.

  • Investor plan: £11.99 a month. Our most popular plan. Includes free regular investing and your first trade free every month. Add as many Junior ISAs as you have children. Additional UK and US trades are £3.99.
  • Super Investor plan: £19.99 a month. For our premium plan, and your first two trades free each month. Add as many Junior ISAs as you have children. Additional UK and US trades only £3.99.

All our plans allow you to invest as little as £25 a month using our free regular investing service.

Other fees such as stamp duty and foreign exchange charges may apply.

Investing with a JISA

With an ii JISA, you can access a full range of investment options, including shares, funds, bonds, investment trusts and ETFs.

Need inspiration? Our range of tools could help you find the right investments:

Junior ISA FAQs

Our awards

  • Boring Money Best Buy ISA 2023
  • Boring Money Best Buy Low Cost ISA over 50k 2022
  • Investors' Chronicle and Financial Times Celebration of Investment Awards Investment Platform of the Year

See all our awards