Dealing account for children
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 the rules can change.
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The benefits of our Junior Dealing account
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No set up charge
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Low dealing charges
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Wide range of investment options
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Save regularly from £25 per month
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Manage account online
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Flexible access to funds

You can give your child a head start in life - read our FREE guide on investing for children to find out how.
Whilst these accounts do not benefit from the tax breaks of the Junior ISA or the tax relief of the Junior SIPP you can use the child’s annual income tax and capital gains tax allowances. Additionally these accounts do allow you to access the money while your child is still young, so you could use it to save for school fees, for example, to ensure they get the best education possible.
The account can stay open beyond the child's 18th birthday. You will still remain the account holder (unlike with a Junior ISA). However, because it's a bare trust, the child is legally able to ask you for the money.
Account benefits
Our Dealing accounts have no set up charges, you can manage your account easily online and there are a wide range of investments to choose from. If you are looking to save monthly, our regular investment service allows you to invest from £25 a month at just £1.50 a deal.
If you already have an account through AJ Bell Youinvest, you can link your child’s designated dealing account to it, which makes it easier to manage.
If you have more than one child you are saving for, then you need to open a bare trust dealing account for each child. There are no limits on how much you can put into a bare trust dealing account.
Setting up a bare trust for a child may not be suitable for everyone and if you unsure if this is right for you then you should seek tax advice from a suitably qualified tax adviser.
Getting started
You cannot open a dealing account for a child online, so you need to download the forms and send them into us.
Thinking of opening an account? Watch our welcome video to see how it works
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 £62.5 billion in assets under administration.
Our awards
We're proud to win Best Execution Only Broker at the 2020 ADVFN International Financial Awards, and we've been named a Which? Recommended Provider for investment platforms in the last two years.
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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 £56.5 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.