Junior ISA

Give your child a head start

Invest for your child’s future with the UK’s best value Junior Stocks and Shares ISA

Before you invest in a Junior ISA: investing for 5+ years increases your chances of positive returns compared to cash savings. But investments rise and fall in value, so your child could get back less than you put in. You’re responsible for your investment decisions. Tax benefits depend on circumstances and rules can change.

kids jumping on sofa

What is a Junior ISA?

A Junior Stocks and Shares ISA is an account that lets you invest for your child’s future, free from UK tax.

Build a nest egg

Give your child a head start on adult life.

Boost potential returns

Investments should provide higher returns than cash over the long term.

Save tax

Invest up to £9,000 each tax year, free from UK income and capital gains tax.

Say hello to the HL Junior ISA

Open a Junior Stocks and Shares ISA with the UK’s #1 investment and savings platform.

Junior ISA charges


0%

annual account charge

With the HL Junior ISA, kids go free.

You won’t pay online dealing or account charges. This means more of what you pay in can benefit your child.

Depending on the investments you choose, other charges could still apply.

See our Junior ISA charges


Trusted by 1.9 million

Our clients trust us with over £155bn of their savings and investments.

Over 40 years

We've been helping people to save and invest for a better future since 1981.

Award-winning service

Over 200 awards, including 'Best Buy Junior ISA' and 'Best for Customer Service' 2025

Is a Junior ISA right for you and your child?

Parents or legal guardians can open a Junior ISA and manage the account. Once set up, grandparents, family and friends can add money.

Consider investing in a Junior Stocks and Shares ISA if:

  • You're comfortable with the fact that withdrawals cannot be made until the child turns 18 and that anything paid into a Junior ISA belongs to the child.

  • You're clear on the differences between saving and investing and you have your own cash savings to cover emergencies.

  • You understand the value of your investments will rise and fall, so your child could get back less than you invest.

  • You're comfortable choosing investments for your child and happy to check in to make sure they're continuing to meet your objectives.

This isn’t personal advice. If you’re not sure what’s right for you or your child, ask for financial advice.

Should you save or invest for your child?

Children have time on their side when it comes to money. Anything you save or invest for them should have more time to grow.

This means investing is often your best option. While it's important to remember that you could get back less than you invest, cash isn't a risk-free option over the long term.

This is because inflation erodes the spending power of cash over time. Investments, on the other hand, offer the potential for inflation-beating returns.

Open or top up a Junior Stocks and Shares ISA from £100 lump sum, or £25 a month.

Junior ISA investment options

Pick your own investments

Your child, your choice

Choose from funds, UK and overseas shares, investment trusts, bonds, exchange-traded funds (ETFs) and more.

Leave it to our experts

Ready-made investments

All-in-one investment options, created by our team of experts.

Open a Junior ISA

Hear why Jack chose the HL Junior ISA for his children

HL client, Jack, shares what he loves about the HL Junior ISA.

Hear why he invests for his children and how he hopes their savings could support them in the future.

FAQs

Common questions about Junior ISAs.

We've won over 200 awards for our services

Boring Money Award Best Buy JISA 2025
Boring Money Award Best for Customer Service 2025
Boring Money Best Buy JISA 2024
Boring Money best investment app 2024

Join the UK's #1 investment and savings platform

Open or top up a Junior ISA from £100 lump sum, or £25 a month.