Money invested in a Junior ISA is locked away until your child turns 18. This means it gives you a chance to build a substantial amount of money, making it more likely your child will have the financial support they need to help fulfil their potential as they progress through life.

Before you invest in our Junior ISA you should consider:

  • Fund choice – to get started you can choose to initially invest in just one of our funds or in a range using our ‘Pick your own’ option.
  • Spreading the investment over time – as the investment builds up, it could be a good idea to spread your child’s investment across a range of funds. We have over 30 funds available that you may want to consider now or in the future.
  • Review your choices –  the money invested in a stocks and shares Junior ISA is locked away until the child becomes 18 and then rolls up into an adult ISA. You should consider it to be a medium to long-term investment, ideally of five years or more. We'll keep you informed on a regular basis about how your child’s investment is performing so you can review and change the investment over time.

A junior ISA that gives you options

When it comes to children, one size certainly doesn’t fit all. With a world of choice available and a financial market that never stands still, we know that every family has different investment needs.

That’s why we’ve listened to what our customers want from their investments and developed a couple of options that may help you to make your choice. However, if you want to play a more active role in selecting where your child’s money is invested, you can always use the ‘Pick your own’ option to access one or more of over 30 funds.

1. Responds to the markets
 2. Follows the UK market
 3. Pick your own
  • Choose from over 30 funds that let you invest in a range of sectors and countries from around the world
  • Initial charge: Discounted to 0%
  • Current on-going charge: ranges from 0.56% to 1.72% a year
  • Please read the fund specific Key Investor Information document before investing

Additional information

  • The initial minimum investment for these funds is £30 a month by Direct Debit, or £500 as a lump sum.
  • You can contribute regularly from as little as £30 a month by Direct Debit, or top-up your child’s investment whenever you like with a lump sum of £100 or more.
  • If your child has already got either a cash Junior ISA or stocks and shares Junior ISA with another provider you can transfer (PDF:525KB) it to us at any time, either now or in the future. The minimum amount you can transfer to us is £500. Your existing provider may charge a fee for the transfer.
  • You can transfer the Junior ISA to another provider at any time.
  • Please remember that the investment won’t benefit from any rise in the markets whilst the Junior ISA transfer is taking place, and it could lose some growth.
  • Transfers normally take up to two weeks, but can take longer.
  • Any money contributed to a Junior ISA is a gift to the child and can’t be reclaimed at any stage in the future.
  • Our website doesn't provide advice or personal recommendations. We haven't assessed whether this product is suitable for you or your child. This means you don't have the protection you would have received if we had done this. It's up to you to decide if an investment with us is suitable for your needs. If you need help, please contact an Independent Financial Adviser.

Risk factors

  • Please remember the value of your child’s investment may fall as well as rise and is not guaranteed. This means it may be worth less than the amount invested.
  • The money invested in a stocks and shares Junior ISA is locked away until your child becomes 18 and then rolls up into an adult ISA. You should consider it to be a medium to long-term investment, ideally of five years or more.
  • The ‘Responds to the markets’ option invests overseas. Changes in exchange rates between currencies may cause the value of the investment to rise and fall.
  • Each trust has its own individual risks. To find out more about these, please read the Key Investor Information document(s) for the funds you wish to invest in.
To receive an information and application pack in the post for our Junior ISA, register using our secure form.

Download the Junior ISA application form  PDF: 60KB Register now for Junior ISA - your options.