Junior ISA Account - Tax Free Savings For Children

Junior ISA:

Compare tax free ISAs for Children from a wide panel of Junior ISA Providers

 
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    Due to the ever rising cost of university fees and the unpredictable housing market, many families today will simply not be able to afford to put their children through further education after leaving school or even afford to help save up a deposit for their very first home.

    With a
    Junior ISA Account, the child can enjoy tax free savings throughout the lifetime of the account until they reach adulthood. These much needed funds can help towards the start of their financial future and help teach them the importance of savings rather than borrowing.

    The Government Confirm That Child Trust Funds Can Be Transferred To a Junior ISA

    From April 2015, CTF / Child Trust Fund holders will be permitted to transfer their funds into the new Junior ISA.

     


    Any funds invested within the Children isa will remain locked in until the child reaches 18 years of age. Once the child reaches this age the Junior ISA will automatically change to a regular ISA account and they will have full access to the funds.

     

    Top 10 Junior ISA Accounts (Please use our table below for the best junior isa comparison)

     

    Junior ISA

    Annual
    Management
     Fee

    Minimum
    Deposit

    Application

    Positives / Negatives

    Further
    Details

    1

    Family Investments

    1.5%

    500 lump sum
    or 10 per month

    Online or Post

    + Winner of the Moneyfacts award for the best Junior ISA Provider for 2012
    + Get up to 20 in Boots vouchers when you set up a direct debit
    + You can manage your account online

    Visit Site

    2

    Shepherds Friendly

    2.5%

    100 lump sum
    or 10 per month

    Online or Post

    + Mutual Friendly Society established in 1826
    + Quick & simple online application process
    + Grandparents, friends & family can contribute

    Visit Site

    Need an Independent Financial Advisor? Think IFA

    3

    Scottish Friendly Junior ISA

    1.5%

    50 lump sum
    or 10 per month

    Online or Post

    + Low annual management fees
    + One of the UKs leading friendly societies established in 1862
    + Managing in excess of 750million worth of funds (as at 31/12/2011) with over a million policy holders
    + Quick & simple online application process

    Visit Site

    4

    Childrens ISA Ltd

    1.5%

    10 lump sum
    or 10 per month

    Online or Post

    + The funds are managed by Prudential who are one of the UKs most trusted and well established fund management companies
    + Hold different funds within the account to
    help minimize the risk.
    + One of the UKs leading Junior ISA Providers

    Visit Site

    5

    JP Morgan Junior ISA

    No annual management fee

    100 lump sum
    or 50 per month

    Online or Post

    + No management & initial fees
    + Large, well established global investment provider
    + Wide choice of funds to invest your money into
    + Apply and manage your account easily online

    Visit Site

    6

    Red Rose Assurance

    1.5%

    50 per month

    Online or Post

    + Long established mutual society
    + Invests in a mix of assets including stocks &
    shares, property, gilts, bonds and cash

    Visit Site

    7

    Child ISA

    1.5%

    10 lump sum
    or 10 per month

    Online or Post

    + Experienced Child Savings Platforms
    + Low minimum investment requirement
    + Choose from Cautious, Balanced & Adventurous funds

    Visit Site

    8

    Tax Free Junior ISA

    1.5%

    10 lump sum
    or 10 per month

    Online or Post

    + Mix and match funds to reduce risk
    + Sharia and Ethical Options available

    Visit Site

    9

    The Children's ISA Ltd
    Sharia / Islamic

    1.6%

    10 lump sum
    or 10 per month

    Online or Post

    + Fully compliant with Sharia law
    + Inline with the Islamic Investment Guidelines
    + Funds are managed by Scottish Widows

    Visit Site

    10

    The Children's ISA Ltd
    Ethical

    1.6%

    10 lump sum
    or 10 per month

    Online or Post

    + Socially responsible investing
    + One of the first to market providers
    - Whole investment goes into a single fund

    Visit Site

    Features of the Junior ISA (Junior Individual Savings Account For Children)

  • You can invest up to 3840 per year tax free
  • Grandparents, family members & even friends can contribute towards Junior ISAs
  • Every eligible child can have both a cash & an Investment Junior ISA account
  • The funds are locked away and cannot be withdrawn until the child reaches adulthood
  • Helps to teach the child the importance of savings
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