Compare Junior ISAs

Save for your children’s future with a Junior ISA. You can save up to £4,080 a year for your children tax-free using a Junior ISA savings account. Use our free and independent comparison service to find the best Junior ISA savings account for you.

Junior Investment ISAs

Junior Stocks & Shares ISAs allow you to invest tax efficiently for your child. You can invest up to £4,080 for the 2016/2017 tax year. As long as the child doesn’t already hold a child trust fund, they can be opened by the child’s parent or guardian with the proceeds being invested on behalf of the child. The funds have to be invested for at least 5 years, so if your child is over 13, a Junior Stocks & Shares ISA may not be suitable.

Once the child reaches 18, the plan can be cashed in or transferred to an adult ISA, but the plan cannot be accessed or cashed in before this time.

In these plans your capital is not protected meaning there can be fluctuations in the capital value of the plan, which can vary dependent on the risk category of the funds invested in. This means that there is a risk that the plan may not be worth as much as has been paid in on maturity.

There is a risk that the company backing the plan may be unable to repay any investment, for example if they were to cease trading. In this instance Junior Stocks & Shares ISAs are eligible for the Financial Services Compensation Scheme (FSCS) up to £85,000 per person, per institution.

The tax advantages of Junior ISAs may change in the future and will also depend on the child’s individual circumstances. If you are in any doubt about the risks associated with these plans or their tax treatment you should seek advice from an Independent Financial Adviser.

For all the Junior S&S ISAs available below, you should be aware that once the child reaches 18, the plan can be cashed in or transferred to an adult ISA, but the plan cannot be accessed or cashed in before this time.

MoneySuperMarket doesn’t offer a comparison service for this type of product but we have compiled a list below of providers who can help.

Junior Investment ISAs - featured accounts

    • Provider/Product name Junior ISA


      Junior ISA

    • Description

      OneFamily looks after more than £7.4 billion of family money, for over 2 million customers:

      • Award winning: Winner of the 2016 Moneyfacts Award for Best Junior ISA Provider.

      • You choose how much you want to pay in, and when. From £10 to £340 a month up to £4,080 in the 2016/2017 tax year.

      • Family and friends can make contributions to your child's Junior ISA. Either by paying in regularly or making a one-off payment.

      • You can register for Online Account Management to amend your payment amount, update your personal details and to view your child's Junior ISA statements.

      • Only the child can access the money and only when they turn 18.

      • Because the Junior ISA invests in stocks and shares the value can fall as well as rise, so your child could get back less than has been paid.

    • Go to site


    Open your child’s Junior ISA online and set up a Direct Debit of £20 or more and as a thank you OneFamily will send you a £50 Amazon voucher. Offer exclusive to MoneySuperMarket customers only. Terms and Conditions apply – please see OneFamily website

    • Provider/Product name Junior ISA

      Scottish Friendly

      Junior ISA

    • Description

      Minimum Investment: £10 a month and £50 lump sum
      Transfer in existing ISAs: Yes, transfers go into the My Choice (Junior ISA)
      Charges/Fees/Costs: 1.5% Annual Management Charge, £50 early exit fee if the child withdraws within the first 5 years
      Account Management: Manage your account online via the My Plans tool, or by phone, email and post
      Customer Service Provision: Online via the My Plans tool, or by phone, email and post

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    Welcome Gift

    Scottish Friendly will add £50 into your child's Junior ISA when you start.

    • Provider/Product name Junior ISA

      Hargreaves Lansdown

      Junior ISA

    • Description

      Choose an award-winning Junior ISA from the UK's leading investment & fund supermarket


      What makes the Hargreaves Lansdown Junior ISA one of the most popular on the market*?


      • Opening an account online takes less than five minutes, and you can start from just £25 per month or a £100 lump sum.
      • You can view and manage your child’s investments online or using Hargreaves Lansdown's award-winning app, and see all of your family accounts in one place.
      • Friends and family can contribute through regular or one-off payments (up to the current £4,080 limit).
      • Hargreaves Lansdown's Bristol-based helpdesk provides market-leading customer service, with average telephone waiting times of under 10 seconds.
      • A wealth of expert investment research is available, helping you make the most of this investment in your child’s future.
      • Existing Child Trust Funds can be easily transferred into Hargreaves Lansdown Junior ISAs.


      *In 2014/15, over 30% of all Stocks & Shares Junior ISAs were taken out with Hargreaves Lansdown (Source: HMRC)

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    FREE moneybox

    FREE Pedro the Penguin (designed by Aardman of Wallace & Gromit fame) money box when you open a Junior ISA

    • Provider/Product name Junior ISA

      Shepherds Friendly

      Junior ISA

    • Description

      • Shepherds Friendly Junior ISA allows you to save tax-efficiently to give your child a real head start
      • Shepherds Friendly was founded in 1826, and has 188 years of experience in providing financial security for families across the UK
      • As a mutual society, Shepherds Friendly is owned by and run for the benefit of its members. There are no shareholders to pay dividends to; meaning more of the profits can be used to add value to your investments
      • The Shepherds Friendly Junior ISA enables you to start saving tax-efficiently from just £10 per month. You can also open the account with a one-off lump sum from £100
      • You can stop, start, raise or lower what you pay into the plan whenever you like
      • Grandparents and other family members can also contribute to the plan, increasing the savings potential
      • The Shepherds Friendly Junior ISA is invested in a wide range of investments, including stocks and shares. While this increases the potential for growth, there is also the risk that your investment can lose value
      Apply for a Shepherds Friendly plan online and get a Love2Shop voucher code worth up to £30!

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    • Provider/Product name Actively Managed Children's ISA

      The Children's ISA

      Actively Managed Children's ISA

    • Description

      • Children's Savings experts 'The Children's ISA' have selected Prudential for their Actively Managed Fund options
      • Prudential are one of the UK’s largest asset managers, looking after £363 billion assets under management (as at 30 June 2012)
      • Prudential's Dynamic Portfolios are actively managed investments
      • These funds offer an excellent diversification by investing in varying degrees in shares, property, bonds and cash
      • The Children's ISA has been developed in partnership with some of the biggest names in the industry to bring you unrivalled investment options through a simple online application process

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    • Provider/Product name Shariah Children's ISA

      Aberdeen Asset Management

      Shariah Children's ISA

    • Description

      • This fund would appeal to an investor looking to achieve returns in line with Islamic Investment Guidelines
      • This fund is adventurous in nature and invests in accordance with advice from the Shariah Advisory Board
      • Assets under management were £283.7 billion as at 30th September 2015
      • This fund invests in equities from around the globe
      • The Children's ISA has been developed in partnership with some of the biggest names in the industry to bring you unrivalled investment options through a simple online application process

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    • Provider/Product name Ethical Childrens Junior ISA

      EdenTree Investment Management Limited

      Ethical Childrens Junior ISA

    • Description

      • This fund aims to combine profit with principles for the ethical investor
      • Since March 1988, EdenTree Investment Management Limited has been at the forefront of socially responsible investing
      • Today with £2.4 billion* currently under management they are financially secure and confident that their socially responsible investment approach, and wider business culture of looking after people and communities - stands them in good stead for the future. *As at December 2014
      • The Ethical Childrens Junior ISA has been developed in partnership with some of the biggest names in the industry to bring you unrivalled investment options through a simple online application process

    • Go to site

    • Provider/Product name Junior Investment ISA

      F&C Investments

      Junior Investment ISA

    • Description

      • Invest up to £4,080 tax efficiently every tax year
      • The account is held in the child's name and money cannot be withdrawn until the child turns 18
      • Children born before 1st September 2002 or after 2nd January 2011 are eligible to invest
      • Investors can invest in F&C's award-winning range of investment trusts via the F&C Junior ISA from as little as £30 per month
      • The F&C Junior ISA offers great flexibility - you can switch between funds at any time and you can invest and manage your account online

    • Go to site

Junior ISA Guide

Junior ISAs

Individual savings accounts (ISAs) aren’t just for grown ups – children have their own version, too. It’s called a Junior ISA and works in broadly the same way as the adult version.

You can open a Junior ISA if your child is under the age of 18 and live in the UK. However, kids with child trust funds aren’t eligible. In other words, if your child was born between September 1 2002 and January 2 2011, they will not be able to save in a Junior ISA as well. (However, you can now transfer funds from a CTF into a Junior ISA.)

The government does not contribute to the Junior ISA and it must be opened and managed by someone with parental responsibility for the child. Anyone can then pay into the account up to £4,080 each year– and any interest or gains are tax free.

Long-term savings

The money in the Junior ISA belongs to the child. However, they cannot get their hands on the cash until they are 18 as it is designed as a long-term savings account.  At 18, they can either cash in the Junior ISA and spend the money how they choose, or they can roll it over into a standard adult version of an ISA

When the child reaches 16, they can take over the management of the account if they wish – though they’re still not allowed to touch the money. They can also pay up to £15,240 in a standard ISA, without affecting their Junior ISA allowance. The advantage of an adult ISA is the greater flexibility as the child can access the money before they reach the age of 18.  

Cash or shares?

There are two types of Junior ISA. The cash version is simply a tax-free savings account. There is a range of accounts on offer from banks and building societies, including variable and fixed deals.

Some people prefer to invest in the stock market if they are saving for their children’s future, in which case a stocks and shares Junior ISA might be a more attractive option. Again, there is a range of accounts on offer, from UK funds to more exotic accounts that invest in emerging markets.

Many advisers recommend a stocks and shares Junior ISA for a child because the lengthy term of possibly 18 years allows plenty of time to ride out the ups and downs of the stock markets. However, you must be comfortable with the dangers of investing in stocks and shares and bear in mind that your capital is at risk and returns are not guaranteed.

Monitor your Junior ISA

It’s a good idea to keep an eye on your child’s Junior ISA as rates can change and you could end up with a poor deal. You are free to switch your Junior ISA at any time if you aren’t happy with the performance. If you decide to switch, you can either transfer to a different type of Junior ISA from the same provider or to a different provider.  

Advantages of a Junior ISA

Everyone – including children – has a personal tax free allowance of £11,000 in the current tax year. We also benefit from a capital gains tax allowance of £11,100. So what is the advantage of a Junior ISA? After all, few children earn enough interest on their savings or make enough profit from the sale of assets to breach the tax-free limits.

Some parents favour Junior ISAs over standard children’s savings accounts because of the restriction on withdrawals. If the child cannot access the money until they are 18, they cannot squander the cash on a spontaneous spending spree.

Junior ISAs also have a tax advantage over standard children’s savings accounts. If a parent puts money into a savings account for a child and it earns interest of more than £100, it is taxed as the parent’s own. With a Junior ISA, the money is classed as the child’s and all interest is tax free.  

Compare Junior ISAs

Whether you are looking for a cash Junior ISA or prefer to invest in stocks and shares, it’s quick and easy to compare Junior ISA with MoneySuperMarket. Our online service is free and independent – and committed to finding you the best deal.


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