The early starter

Give your kids a head start with our range of junior accounts

Open a Junior ISA Open a Junior SIPP Open a Dealing account for a child

Investing for children


Kids grow up fast. And so too could their money – with the help of a junior account.

Thanks to a junior account's long-term nature and generous tax advantages, you don't necessarily need to put in vast sums to make a difference. A little, across the course of your child’s upbringing, can grow to a lot.

And even better, anyone can pay money into your child’s account. Perfect for presents from prudent grandparents.

Before you get started, remember the value of investments can change and you could lose money as well as make it. And how you're taxed will depend on your circumstances, and the rules can change.

Lisa Webster explains the different ways you can save for your child's future.

Three ways to save for their future

To give your child the best possible head start, it's important to choose the right junior account:

Range of accounts

Junior ISA

Build a nest egg for your child – save up to £4,368 tax-free every year until they turn 18.

Junior SIPP

Give your child's pension a head start – invest up to £2,880 a year with a 20% government top-up.

Junior Dealing account

Invest as much as you like for your child and access the money while they’re still young.

Which account should you choose?

Each junior account has different tax advantages – and different rules about when the money can be accessed. Which is the right one depends on what you want to help your child save towards (e.g. school fees, university fees, pension), and when you’re happy for them to access their money.

If you need help choosing the right account for your child, have a look at our account comparison table.

Regular investment service

Saving smaller amounts, regularly, gets you into the saving habit without putting too much strain on your finances. Our regular investment service lets you invest as little as £25 every month while taking advantage of a lower dealing charge of just £1.50.

How to get started

You can apply for a Junior ISA and Junior SIPP online in only 10 minutes. To apply for a Junior Dealing account you'll need to fill out and post us an application form.

We make investing easier

For nearly twenty years, AJ Bell Youinvest has helped people invest in the life they want to live. We’re part of AJ Bell, one of the largest investment platforms in the UK, with £52.3 billion in assets under administration.


Our award-winning accounts

We're proud to win Best Online Investment Platform 2019 at the Your Money awards

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What our customers say about us

"Very user friendly website, easy to set up account(s) and easy to monitor investments. Also, plenty of helpful information to help make investment decisions."

"I am glad I opened an ISA with your company, massive range of investments & shares that you can choose from. I will definitely refer people as AJ Bell is a fantastic company who has a dedicated team that is very helpful and always willing to help, respond back to you very quickly especially if it’s an urgent matter."

"Very straightforward to set up an account online and arrange ISA transfer in to my account."

"Easy to use and excellent support when needed. Reasonable charges."

We’re here to make things easier for you

Sometimes tackling your investments can seem like a real headache. That’s why we strive to do one thing here at AJ Bell Youinvest – to make investing as easy as possible for you.

AJ Bell is now one the UK's largest online investment platforms, with £52.3 billion in assets under administration.

We’ve succeeded by staying true to our beliefs, by understanding your needs as a DIY investor and by providing award-winning accounts, backed up with excellent service at a low cost.

Regulated by the Financial Conduct Authority, we take your security as seriously as you do, and have comprehensive measures in place to keep you and your money safe. You can find out more by visiting our security centre.

So whatever stage you’re at, we’re sure we can help you manage your money and your future.

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