Give your little one a big boost

With our low-cost Junior ISA

Open a Junior ISA View Junior ISA charges

Remember that investments go up and down in value, and you could lose money as well as make it. How you’re taxed will depend on your circumstances, and ISA and tax rules can change.

Junior ISA

As your child gets bigger, so do their expenses – from driving lessons to tuition fees to the deposit for their first home. A Junior ISA, however, can help their money grow as fast as they do. That's because, like an adult ISA, a Junior ISA is wholly tax free. And since the money is locked away until they turn 18, it has years to ride out any bumps in the road.

  • Our Junior ISA – at a glance

  • Their money grows tax free

  • Invest up to £9,000 each tax year

  • Money safely locked away until they're 18

  • Buy and sell investments from just £1.50

  • Investment ideas from our specialists if you'd like help picking your portfolio

  • Huge range of investment options if you're happy to go it alone

  • Get into the investing habit with our regular investment service

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A guide to investing for children

You can give your child a head start in life with a Junior ISA or SIPP.

Why choose AJ Bell for your Junior ISA?

We’re one of the UK’s largest and best regarded investment platforms, trusted by over 499,000 customers. Here are some of the reasons why investing with AJ Bell feels so good.

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You’re in controlOur easy-to-use website and app give you a full view of your investments anytime, anywhere. You have investment choices at your fingertips and are able to buy and sell on the go.

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You’re in safe handsWe’re listed in the FTSE 250, so you know you’ve got one of the UK’s largest and financially secure providers behind you.

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You get great valueOur charges are amongst the lowest in the market - you'll never pay more than 0.25% to hold your investments. With options to suit all kinds of investors, you can be sure you’re getting one of the best value platforms in the UK.

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You get top serviceWe’re here to help. Whether it’s over the phone, email or webchat, our friendly team will always be straight-talking and transparent.

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Which? Recommended Provider for Investment Platforms five years running, 2019–2023

How does a Junior ISA work?

A Junior ISA (or individual savings account) is a tax-efficient way of saving for your child's adult life.

You can open a Junior ISA for a child if they're under 18, and you're their parent, or in a position of parental responsibility

As with an adult ISA, a Junior ISA shelters your child's investments from capital gains and income tax. You can put in up to £9,000 a year, letting you build up a tax-free nest egg for your child, who can access the money when they turn 18.

Only parents or guardians are able to open a Junior ISA, but anyone can pay into them (such as generous grandparents or friends).

Is a Junior ISA suitable for me?

The money in a Junior ISA is locked away until your child turns 18. If you think you might need earlier access, then a Junior Dealing account may be more appropriate.

Once you open a Junior ISA for your child, you become the ‘registered contact’, and are responsible for managing the account. Later, when your child turns 18, control of the account passes to them. So it’s important, for this reason, that you trust them to manage the money responsibly.

If your child also has a Child Trust Fund, you can still open a Junior ISA – but only if you immediately transfer their CTF to their Junior ISA.

How many Junior ISAs can a child have?

Junior ISAs come in two types – cash, and stocks and shares. At any one time, you can hold only one of each Junior ISA type for an eligible child.

You can pay into both types of Junior ISA in the same tax year, but you need to be careful not to exceed the overall Junior ISA subscription limit. For the 2023/24 tax year, this is £9,000.

Open our Junior ISA in minutes

The earlier you start saving into a Junior ISA, the better. And it couldn’t be easier to get started with our Junior ISA. You can open an account online in just minutes, and you’ve a wide range of shares, funds and other investments to choose from.

Or if you’re not sure which to pick, then have a look at our time-saving investment ideas. We've suggestions to sharpen your portfolio, and no-hassle funds that let you leave the day-to-day decisions to us.

An AJ Bell account makes managing your portfolio easy. Watch our video to learn how


Invest up to £9,000 today

Open a Junior ISA

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We'll help you get investing

For over 25 years, AJ Bell has made investing simple and affordable. We’re a 5x Which? Recommended Provider, with an award-winning range of accounts.

Learn more about us

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Can we help?

If you’d like more information about AJ Bell’s accounts and services, get in touch with our friendly customer services team - we’re here to help.