Junior ISA 

Self-directed investing

Give your child a head start with a tax-efficient investment account. You can save up to £9,000 each tax year, with no income or capital gains tax to pay on the returns.

Investing for your child’s future with a Junior ISA

Key features of a Junior ISA

Tax-efficient growth

Invest up to £9,000 per tax year – returns are free from UK income and capital gains tax.

Family contributions

While only parents or guardians can open a Junior ISA account, anyone can pay into it.

Control and flexibility

You stay in control of the investment decisions until the child turns 18.

Is a Junior ISA right for you?

  • A long-term investment horizon: You’re happy to invest for five years or more and accept that investment values can go down as well as up.
  • Locked-in funds: The money can’t be withdrawn until the child turns 18.
  • Low minimum investment: Start investing from as little as £500.

It’s important to remember that investments into a Junior ISA aren’t guaranteed. The value of the investments in your portfolio can fall as well as rise, and you may get back less than you invested.

A human touch

We know how important the human touch is. Our UK-based experts are on hand to answer your
questions. You can call us or email us whenever you need support.

Call us on 0333 207 9003
Monday to Friday 8am to 6pm
Saturday 8am to 12pm

Email us at customer.services@brewin.co.uk

Write to us at:
Brewin Portfolio Service
Sixth Floor, Atria One
144 Morrison Street
Edinburgh, EH3 8BR

Common questions about Junior ISAs

Yes, you can transfer Child Trust Funds (CTFs) and other Junior ISAs to us. Complete a transfer form to get started. We will arrange for the funds to be transferred while retaining their tax-free status. Please note that your current provider may charge you for this request.

No, investments are exposed to risk. The value of the investments in your portfolio can fall as well as rise, and you may get back less than you invested. 

No, we manage the buying and selling for you. You choose the risk level and investment style, and our team manages the underlying assets. Our support team is available if you have questions. 

You can open a maximum of two JISAs (one cash JISA and one investment JISA). There is an annual allowance for JISA contributions, which is £9,000 per tax year. This allowance can be split between the two types of JISA. Please note that RBC Brewin Dolphin does not provide cash JISAs. 

Our insights and ideas 

Investing for children – your options

Family finances 3 minute read
– Investing for children – your options

Rising Junior ISA wealth shows the power of early planning

Family finances 3 minute read
– Rising Junior ISA wealth shows the power of early planning

Making tax-efficient gifts to grandchildren

Giving 3 minute read
– Making tax-efficient gifts to grandchildren

The value of investments, and any income from them, can fall and you may get back less than you invested. This does not constitute tax or legal advice. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. You should always check the tax implications with an accountant or tax specialist.