{"id":27881,"date":"2023-10-25T10:50:18","date_gmt":"2023-10-25T10:50:18","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/?page_id=27881"},"modified":"2026-06-03T20:24:44","modified_gmt":"2026-06-03T20:24:44","slug":"junior-isa","status":"publish","type":"page","link":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/online-investing-with-bps\/junior-isa","title":{"rendered":"Junior ISA"},"content":{"rendered":"\n<div class=\"wp-block-rbcwm-hero-block rbc-hero-wm rbc-hero-has-image-bleed rbc-hero-overlap rbc-hero-overlap-mobile rbc-hero-nn4zojnk9 hide-mobile-energy-lines is-style-cta-text\"><style>\n\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient::before {\n\t\t\tbackground: linear-gradient(90deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bleed::before {\n\t\t\tbackground: linear-gradient(90deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom::before {\n\t\t\tbackground: linear-gradient(180deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-nn4zojnk9 .rbc-hero-energy-lines.rbc-hero-energy-lines-left {\n\t\t\ttransform: scaleX(-1);\n\t\t}\n\n\t\t@media (max-width: 991px) {\n\t\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient::before,\n\t\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom::before,\n\t\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bleed::before {\n\t\t\t\tbackground: none;\n\t\t\t}\n\n\t\t\t.rbc-hero-nn4zojnk9.rbc-hero-has-image-full.hide-mobile-energy-lines .rbc-hero-energy-lines {\n\t\t\t\tdisplay: none;\n\t\t\t}\n\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient .rbc-hero-img-wrap::after {\n\t\t\t\tbackground: linear-gradient( 0deg, #023169 0%, rgba(94, 120, 131, 0) 25% );\n\t\t\t}\n\t\t\t\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom .rbc-hero-img-wrap::before,\n            .wp-block-rbcwm-hero-block.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom .container .rbc-hero-img-wrap::before {\n\t\t\t\tbackground: linear-gradient( 180deg, #023169 0%, rgba( 94, 120, 131, 0 ) 25% );\n\t\t\t}\n\t\t\t\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient .rbc-hero-card {\n\t\t\t\tbackground: #023169;\n\t\t\t}\n\t\t}\n\t<\/style><div class=\"container\"><div class=\"row no-gutters\"><div class=\"col-lg-7 rbc-hero-card-content\"><div class=\"rbc-card rbc-hero-card rbc-hero has-content\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div class=\"rbc-hero-body-content\"><h1 class=\"rbc-hero-title\"><span>Junior ISA\u00a0<\/span><\/h1><span class=\"rbc-hero-category\"><span>Self-directed investing<\/span><\/span><div class=\"rbc-hero-breadcrumb link-chev-left\"><div class=\"rbc-icon mr-half\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-left\" style=\"color:#006ac3\"><\/i><\/div><span style=\"color:#006ac3\"><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/online-investing-with-bps\">BPS<\/a><\/span><\/div><hr class=\"rbc-hero-hr hr-mini bdr-accent\"\/>\n<p class=\"rbc-hero-subtitle\">Give your child a head start with a tax-efficient investment account. You can save up to \u00a39,000 each tax year, with no income or capital gains tax to pay on the returns.<br><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"rbc-hero-img-wrap col-lg-5 order-2 order-lg-1\"><div class=\"rbc-hero-img bleed-img-right d-none d-lg-block \" style=\"background-image:url(https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-content\/uploads\/sites\/23\/2023\/10\/Junior-ISA-header_1120x534.jpg?w=1600)\"><\/div><\/div><div class=\"align-self-end order-lg-3 col-lg-7 cta-text\"><div class=\"rbc-button-block row no-gutters align-items-end rbc-hero-button-overlap\"><div class=\"col-lg\"><a href=\"https:\/\/onboarding.bps.brewin.co.uk\/select-product\" class=\"rbc-button  rbc-button-large rbc-button-secondary rbc-button-block rbc-button-block-cta\"><div class=\"rbc-icon rbc-button-icon-right\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fa-angle-right fal\"><\/i><\/div>Open or transfer a Junior ISA<\/a><\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block overlap-bottom\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<header class=\"wp-block-rbcwm-block-header row rbc-block-header\"><div class=\"col-lg-12\">\n<div class=\"row\">\n\n<h2 id=\"h-i-nvesting-for-your-child-s-future-with-a-junior-isa\" class=\"wp-block-heading rbc-block-header-title col-lg-12\" style=\"padding-bottom:var(--wp--preset--spacing--40)\">I<strong>nvesting for your child\u2019s future with a Junior ISA<\/strong><\/h2>\n\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-block-header-description rbc-block-header-description\">\n<p class=\"has-theme-color has-text-color has-link-color wp-elements-8eb7c6f312a3986a0fb0669e85f80429\">A Junior ISA (JISA) is an individual savings account (ISA) that lets you invest into the stock market on behalf of a child. While the money in the account belongs to the child, they can\u2019t access it until they turn 18.<\/p>\n\n\n\n<p class=\"has-theme-color has-text-color has-link-color wp-elements-ce5e26f6d292ea07203e0be4de521586\">As a parent or guardian, you manage the account and decide which portfolio the money is invested in.<\/p>\n<\/div>\n<\/div><\/header>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<header class=\"wp-block-rbcwm-block-header row rbc-block-header\"><div class=\"col-lg-12\">\n<div class=\"row\">\n\n<h2 id=\"h-key-features-of-a-junior-isa\" class=\"wp-block-heading rbc-block-header-title col-lg-12\" style=\"padding-bottom:var(--wp--preset--spacing--40)\"><strong>Key features of a Junior ISA<\/strong><\/h2>\n\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-block-header-description rbc-block-header-description\">\n<p><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-columns container\"><div class=\"row blockId-5f764164-9784-45e3-a08e-cb59bcee0e62\">\n<div class=\"wp-block-rbcwm-column col-lg-6\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<h4 id=\"h-tax-efficient-growth\" class=\"wp-block-heading\">Tax-efficient growth<\/h4>\n\n\n\n<p>Invest up to \u00a39,000 per tax year \u2013 returns are free from UK income and capital gains tax.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-column col-lg-6\">\n<h4 id=\"h-family-contributions\" class=\"wp-block-heading\"><strong>Family contributions<\/strong><\/h4>\n\n\n\n<p>While only parents or guardians can open a Junior ISA account, anyone can pay into it.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-rbcwm-columns container\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\"><div class=\"row blockId-b8289365-1ab9-4bf3-9bdf-616f6d29a1fd\">\n<div class=\"wp-block-rbcwm-column col-lg-6\">\n<h4 id=\"h-control-and-flexibility\" class=\"wp-block-heading\">Control and flexibility<\/h4>\n\n\n\n<p>You stay in control of the investment decisions until the child turns 18.<\/p>\n<\/div>\n<\/div><\/div>\n<\/div><\/header>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<header class=\"wp-block-rbcwm-block-header row rbc-block-header\"><div class=\"col-lg-12\">\n<div class=\"row\">\n\n<h2 id=\"h-is-a-junior-isa-right-for-you\" class=\"wp-block-heading rbc-block-header-title col-lg-12\" style=\"padding-bottom:var(--wp--preset--spacing--40)\">Is a Junior ISA right for you?<\/h2>\n\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-block-header-description rbc-block-header-description\">\n<p class=\"has-theme-color has-text-color has-link-color wp-elements-a73863ff7235e4e221e6305e33c3de54\">A Junior ISA might be the right choice if you are comfortable with the following:<\/p>\n\n\n\n<p><\/p>\n<\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>A long-term investment horizon:<\/strong> You\u2019re happy to invest for five years or more and accept that investment values can go down as well as up.<\/li>\n\n\n\n<li><strong>Locked-in funds:<\/strong> The money can\u2019t be withdrawn until the child turns 18.<\/li>\n\n\n\n<li><strong>Low minimum investment: <\/strong>Start investing from as little as \u00a3500.<\/li>\n<\/ul>\n\n\n\n<p>It\u2019s important to remember that investments into a Junior ISA aren\u2019t guaranteed. The value of the investments in your portfolio can fall as well as rise, and you may get back less than you invested.<\/p>\n<\/div><\/header>\n<\/div><\/div><\/div><\/section>\n<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-image-block rbc-block rbc-block-image rbc-block-grey rbc-block-flush rbc-block-image-bleed rbc-block-image-mobile-top has-theme-color has-block-grey-background-color has-text-color has-background has-link-color wp-elements-3314e09f07dae66a59d25eac3743d990\"><div class=\"container rbc-block-image-container\"><div class=\"row justify-content-between h-100 no-gutters\">\n<div class=\"wp-block-rbcwm-block-image-content rbc-block-image-content rbc-block-image-content-center col-lg-6 order-2 order-lg-1\"><div class=\"rbc-block-image-bleed-body wrap\">\n<h2 id=\"h-why-choose-nbsp-us-nbsp\" class=\"wp-block-heading\">Why choose&nbsp;us?&nbsp;<\/h2>\n\n\n\n<p>We have over a century of experience in helping people grow their wealth, taking a long-term view of investment and client relationships.<\/p>\n\n\n\n<p>BPS is an execution only, non-advice service. We provide pre-determined portfolios which are designed by our in-house experts. We take on the hard work of picking what assets are in these portfolios, so you don\u2019t have to. You just need to choose your investment style and risk category \u2013 we will do the rest.<\/p>\n\n\n\n<h3 id=\"h-expert-management-simple-fees\" class=\"wp-block-heading\"><strong>Expert management, simple fees<\/strong><\/h3>\n\n\n\n<p class=\"has-link-color wp-elements-fa51af8de795424159b5755b28cd8d7c\">You get access to our expert investment thinking through a range of pre-determined portfolios. Our <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/online-investing-with-bps\/fees-and-charges\" class=\"link-underline\">simple fee structure<\/a> ensures you know exactly what&nbsp;you\u2019re paying, while you can track performance any time via our app or online.&nbsp;<\/p>\n<\/div><\/div>\n\n\n<\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush-bottom rbc-block-small overlap-bottom\"><div class=\"\"><div class=\"row \"><div class=\"col-lg-12\">\n<section class=\"wp-block-rbcwm-image-block rbc-block rbc-block-image rbc-block-image-bleed rbc-block-image-mobile-top has-white-background-color has-background\"><div class=\"container rbc-block-image-container\"><div class=\"row justify-content-between h-100 no-gutters\">\n<div class=\"wp-block-rbcwm-block-image-content rbc-block-image-content rbc-block-image-content-center col-lg-6 order-2 order-lg-1\"><div class=\"rbc-block-image-bleed-body wrap\">\n<h2 id=\"h-a-human-touch\" class=\"wp-block-heading\">A human touch<\/h2>\n\n\n\n<p>We know how important the human touch is. Our UK-based experts are on hand to answer your<br>questions. You can call us or email us whenever you need support.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Call us <\/strong>on <a href=\"tel:0333 207 9003\" data-type=\"tel\" data-id=\"tel:0333 207 9003\" class=\"link-underline\">0333 207 9003<\/a><br>Monday to Friday 8am to 6pm<br>Saturday 8am to 12pm<\/p>\n\n\n\n<p><strong>Email us<\/strong> at <a href=\"mailto:customer.services@brewin.co.uk\" class=\"link-underline\">customer.services@brewin.co.uk<\/a><\/p>\n\n\n\n<p><strong>Write to us<\/strong> at:<br>Brewin Portfolio Service<br>Sixth Floor, Atria One<br>144 Morrison Street<br>Edinburgh, EH3 8BR<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbcwm-blockimage-image col-lg-5 order-0 rbc-block-image-bleed-col order-lg-0 flex-lg-row-reverse\"><div class=\"rbc-block-image-bleed-img-wrap  d-flex flex-lg-row-reverse\"><div class=\"rbc-block-image-img rbc-block-image-bleed-img bleed-img-left\" data-src=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-content\/uploads\/sites\/23\/2026\/05\/smiling-woman-with-red-hair-wearing-a-headset-in-an-office-setting.jpg\" data-lazy=\"true\" data-observe=\"{&quot;add&quot;:&quot;ani-opacity&quot;,&quot;remove&quot;:&quot;ani-opacity-from&quot;}\"><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush overlap-top overlap-bottom\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<div class=\"wp-block-rbcwm-rbc-button alignfull rbc-button-block row no-gutters align-items-end justify-content-end blockId-74416774-f2c6-456f-848a-3ed4129d892d\"><div class=\"col-lg-7 order-1\"><a href=\"https:\/\/onboarding.bps.brewin.co.uk\/select-product\" target=\"_blank\" class=\"rbc-button rbc-button-block-cta rbc-button-large rbc-button-secondary rbc-button-block\" rel=\"noopener noreferrer\"><div class=\"rbc-icon rbc-button-icon-right\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-fal fa-angle-right \"><\/i><\/div><span>Open or transfer a Junior ISA<\/span><\/a><\/div><\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-grey has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<header class=\"wp-block-rbcwm-block-header row rbc-block-header\"><div class=\"col-lg-12\">\n<div class=\"row\">\n\n<h2 id=\"h-common-questions-about-junior-isas\" class=\"wp-block-heading rbc-block-header-title col-lg-12\">Common questions about Junior ISAs<\/h2>\n\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-block-header-description rbc-block-header-description\">\n<p><\/p>\n<\/div>\n<\/div><\/header>\n\n\n\n<div class=\"row blockId-ab8e603f-3765-4749-a433-df7737bfa06b\">\n<div class=\"wp-block-rbcwm-column col-lg-12\">\n<div class=\"wp-block-rbcwm-expandable-container-block rbc-expandable-container\"><div class=\"rbc-card rbc-card-shadow\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body rbc-card-flush rbc-card-box\">\n<div class=\"wp-block-rbcwm-expandable-block rbc-expandable\">\n<div id=\"can-you-transfer-other-jisas-into-the-bps-junior-isa\" class=\"wp-block-rbcwm-expandable-block-title rbc-expandable-trigger rbc-expandable-arrow-wrap\"><button aria-expanded=\"false\" aria-controls=\"can-you-transfer-other-jisas-into-the-bps-junior-isa-content\" data-target=\"can-you-transfer-other-jisas-into-the-bps-junior-isa-content\" data-duration=\"400\" class=\"rbc-expandable-trigger-button rbc-expandable-trigger-button-between\">\n<h3 id=\"h-can-you-transfer-other-jisas-into-the-bps-junior-isa\" class=\"wp-block-heading h5\">Can you transfer other JISAs into the BPS Junior ISA?<\/h3>\n<div class=\"rbc-icon rbc-expandable-arrow rbc-expandable-arrow-right\"><i class=\"rbc-icon-img fal fa-angle-down\"><\/i><\/div><\/button><\/div>\n\n\n\n<div id=\"can-you-transfer-other-jisas-into-the-bps-junior-isa-content\" aria-labelledby=\"can-you-transfer-other-jisas-into-the-bps-junior-isa\" class=\"wp-block-rbcwm-expandable-block-content rbc-expandable-content rbc-expandable-content-inner-style content-bc9177bc-205c-414b-a95e-d293808cb0e5\"><div class=\"rbc-expandable-content-body\">\n<p>Yes, you can transfer Child Trust Funds (CTFs) and other Junior ISAs to us. <a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/wme\/uk\/bps-jisa-and-ctf-tansfer-form.pdf\" data-type=\"link\" data-id=\"https:\/\/www.brewin.co.uk\/wp-content\/uploads\/sites\/10\/2023\/10\/bps-jisa-and-ctf-tansfer-form.pdf\" class=\"link-underline\" target=\"_blank\" rel=\"noreferrer noopener\">Complete a transfer form<\/a> 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.<\/p>\n\n\n\n<p><a id=\"_msocom_1\"><\/a><\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-expandable-block rbc-expandable\">\n<div id=\"is-the-investment-guaranteed\" class=\"wp-block-rbcwm-expandable-block-title rbc-expandable-trigger rbc-expandable-arrow-wrap\"><button aria-expanded=\"false\" aria-controls=\"is-the-investment-guaranteed-content\" data-target=\"is-the-investment-guaranteed-content\" data-duration=\"400\" class=\"rbc-expandable-trigger-button rbc-expandable-trigger-button-between\">\n<h3 id=\"h-is-the-investment-guaranteed-nbsp\" class=\"wp-block-heading h5\">Is the investment guaranteed?&nbsp;<\/h3>\n<div class=\"rbc-icon rbc-expandable-arrow rbc-expandable-arrow-right\"><i class=\"rbc-icon-img fal fa-angle-down\"><\/i><\/div><\/button><\/div>\n\n\n\n<div id=\"is-the-investment-guaranteed-content\" aria-labelledby=\"is-the-investment-guaranteed\" class=\"wp-block-rbcwm-expandable-block-content rbc-expandable-content rbc-expandable-content-inner-style content-14d86b57-d32b-4f3a-b268-84da7dd11294\"><div class=\"rbc-expandable-content-body\">\n<p class=\"mt-1\">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.&nbsp;<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-expandable-block rbc-expandable\">\n<div id=\"will-i-be-able-to-buy-and-sell-investments-myself\" class=\"wp-block-rbcwm-expandable-block-title rbc-expandable-trigger rbc-expandable-arrow-wrap\"><button aria-expanded=\"false\" aria-controls=\"will-i-be-able-to-buy-and-sell-investments-myself-content\" data-target=\"will-i-be-able-to-buy-and-sell-investments-myself-content\" data-duration=\"400\" class=\"rbc-expandable-trigger-button rbc-expandable-trigger-button-between\">\n<h3 id=\"h-will-i-be-able-to-buy-and-sell-investments-myself-nbsp\" class=\"wp-block-heading h5\">Will I be able to buy and sell investments myself?&nbsp;<\/h3>\n<div class=\"rbc-icon rbc-expandable-arrow rbc-expandable-arrow-right\"><i class=\"rbc-icon-img fal fa-angle-down\"><\/i><\/div><\/button><\/div>\n\n\n\n<div id=\"will-i-be-able-to-buy-and-sell-investments-myself-content\" aria-labelledby=\"will-i-be-able-to-buy-and-sell-investments-myself\" class=\"wp-block-rbcwm-expandable-block-content rbc-expandable-content rbc-expandable-content-inner-style content-4e2f38a6-fe65-47ab-9c9d-e2b17fed20f1\"><div class=\"rbc-expandable-content-body\">\n<p class=\"mt-1\">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.&nbsp;<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-expandable-block rbc-expandable\">\n<div id=\"can-you-have-more-than-one-junior-isa\" class=\"wp-block-rbcwm-expandable-block-title rbc-expandable-trigger rbc-expandable-arrow-wrap\"><button aria-expanded=\"false\" aria-controls=\"can-you-have-more-than-one-junior-isa-content\" data-target=\"can-you-have-more-than-one-junior-isa-content\" data-duration=\"400\" class=\"rbc-expandable-trigger-button rbc-expandable-trigger-button-between\">\n<h3 id=\"h-can-you-have-more-than-one-junior-isa-nbsp\" class=\"wp-block-heading h5\">Can you have more than one Junior ISA?&nbsp;<\/h3>\n<div class=\"rbc-icon rbc-expandable-arrow rbc-expandable-arrow-right\"><i class=\"rbc-icon-img fal fa-angle-down\"><\/i><\/div><\/button><\/div>\n\n\n\n<div id=\"can-you-have-more-than-one-junior-isa-content\" aria-labelledby=\"can-you-have-more-than-one-junior-isa\" class=\"wp-block-rbcwm-expandable-block-content rbc-expandable-content rbc-expandable-content-inner-style content-e94104e9-e3de-4fdd-907c-20f21bcd71c1\"><div class=\"rbc-expandable-content-body\">\n<p class=\"mt-1\">You can open a maximum of two JISAs (one cash JISA and one investment JISA). There is an annual allowance for JISA contributions,&nbsp;which is \u00a39,000 per tax year. This allowance can be split between the two types of&nbsp;JISA. Please note that RBC Brewin Dolphin does not provide cash JISAs.&nbsp;<\/p>\n<\/div><\/div>\n<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block overlap-top rbc-block-has-overlap\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\"><div class=\"wrap\">\n<header class=\"wp-block-rbcwm-block-header row rbc-block-header\"><div class=\"col-lg-12\">\n<div class=\"row\">\n\n<h2 id=\"h-our-insights-and-ideas-nbsp\" class=\"wp-block-heading rbc-block-header-title col-lg-12\"><strong>Our insights and ideas<\/strong>&nbsp;<\/h2>\n\n<\/div>\n<\/div><\/header>\n\n\n\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-lg-12\">\n\t\t\t\t<div class=\"row overlap-bottom\">\n\t\t\t\t\t\n<div class=\"rbc-media-card-col rbc-card-col-my col-lg-4 col-md-6\">\n\t<div class=\"rbc-card rbc-media-card rbc-card-hover rbc-media-card-stacked-vertical\">\n\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t<div class=\"rbc-card-body rbc-hero-img-background-position\">\n\t\t\t\t\t\t\t\t<div class=\"rbc-media-card-image\" style=\"background-image: url('https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-content\/uploads\/sites\/23\/2025\/09\/woman-and-young-girl-sitting-crosslegged-on-a-white-sofa-talking.jpg');\"><\/div>\n\t\t\t\t\t\t\t<h3 class=\"rbc-media-card-title rbc-media-card-title-wrap\"><span class=\"rbc-media-card-title-link\"><span>Investing for children \u2013 your options<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\tFamily finances\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/investing-for-children-your-options\" class=\"rbc-media-card-footer-link align-self-end link-chev rbc-card-link-full\">\n\t\t\t\t\t\t<span class=\"rbc-media-card-cta-link\">\n\t\t\t\t\t\t\t3 minute read\t\t\t\t\t\t\t<div class=\"rbc-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<span class=\"sr-only\">&#8211; Investing for children \u2013 your options<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"rbc-media-card-col rbc-card-col-my col-lg-4 col-md-6\">\n\t<div class=\"rbc-card rbc-media-card rbc-card-hover rbc-media-card-stacked-vertical\">\n\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t<div class=\"rbc-card-body rbc-hero-img-background-position\">\n\t\t\t\t\t\t\t\t<div class=\"rbc-media-card-image\" style=\"background-image: url('https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-content\/uploads\/sites\/23\/2024\/10\/Rising-wealth-in-Junior-ISAs-header-2177x729-1.png?w=1024');\"><\/div>\n\t\t\t\t\t\t\t<h3 class=\"rbc-media-card-title rbc-media-card-title-wrap\"><span class=\"rbc-media-card-title-link\"><span>Rising Junior ISA wealth shows the power of early planning<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\tFamily finances\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/rising-junior-isa-wealth-shows-the-power-of-early-planning\" class=\"rbc-media-card-footer-link align-self-end link-chev rbc-card-link-full\">\n\t\t\t\t\t\t<span class=\"rbc-media-card-cta-link\">\n\t\t\t\t\t\t\t3 minute read\t\t\t\t\t\t\t<div class=\"rbc-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<span class=\"sr-only\">&#8211; Rising Junior ISA wealth shows the power of early planning<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"rbc-media-card-col rbc-card-col-my col-lg-4 col-md-6\">\n\t<div class=\"rbc-card rbc-media-card rbc-card-hover rbc-media-card-stacked-vertical\">\n\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t<div class=\"rbc-card-body rbc-hero-img-background-position\">\n\t\t\t\t\t\t\t\t<div class=\"rbc-media-card-image\" style=\"background-image: url('https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-content\/uploads\/sites\/23\/2025\/06\/grandparent-holding-grandchild-in-their-arms-on-a-rainy-day-at-the-beach.jpg?w=1024');\"><\/div>\n\t\t\t\t\t\t\t<h3 class=\"rbc-media-card-title rbc-media-card-title-wrap\"><span class=\"rbc-media-card-title-link\"><span>Making tax-efficient gifts to grandchildren<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\tGiving\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/making-tax-efficient-gifts-to-grandchildren\" class=\"rbc-media-card-footer-link align-self-end link-chev rbc-card-link-full\">\n\t\t\t\t\t\t<span class=\"rbc-media-card-cta-link\">\n\t\t\t\t\t\t\t3 minute read\t\t\t\t\t\t\t<div class=\"rbc-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<span class=\"sr-only\">&#8211; Making tax-efficient gifts to grandchildren<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush-top\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\"><div class=\"wrap\">\n<p class=\"is-style-default\">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.<\/p>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Secure your child&#8217;s future with a tax-efficient Junior ISA from BPS. Access expert management and invest up to \u00a39,000 tax-free each year on their behalf.<\/p>\n","protected":false},"author":49,"featured_media":0,"parent":25446,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"editor_notices":[],"rbc_url_alias":"","footnotes":""},"rbcwm_content_owner":[],"class_list":["post-27881","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Junior ISA \u2013 RBC Wealth Management United Kingdom<\/title>\n<meta name=\"description\" content=\"Secure your child&#039;s future with a tax-efficient Junior ISA from BPS. 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