Protect up to £9,000 every year from tax per child
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Why Choose a Junior ISA?
Both friends and family can add money to the account
Child can only withdraw when they reach their 18th birthday
Potential for growth but capital is at risk and returns not guaranteed
How we offer you more.

Personal financial advice whenever you need it

Access to exclusive investment portfolios

Dedicated video, phone and email support

Award-winning technology to track your money 24/7
What is a Junior ISA?
A Junior ISA is a tax-efficient way to invest up to £9,000 each year for each child you are a parent or guardian to. You won’t pay Income Tax or Capital Gains Tax on the money inside the Junior ISA, no matter how much it grows.
You remain in control of the investment until your child reaches their 18th birthday, at which point the money belongs to them.
Anyone you know can add to the Junior ISA, making it a useful account for investing gifts for a child’s future – for example from grandparents or extended family.
You can transfer from one Junior ISA into another, as well as transfer a Child Trust Fund into a Junior ISA (but not the other way round).
Cash JISAs v Stocks & Shares JISAs
Unlike a Cash JISA, the returns you get from a Stocks & Shares JISA aren’t limited by the provider’s interest rate. Cash JISA interest rates are often below the inflation rate, meaning money saved in them is losing buying power and won’t be as valuable when your child turns 18.
By comparison, with a Stocks & Shares JISA your money is invested and has the opportunity for much greater growth. The trade-off is that money invested is at risk of loss and you could get back less than you invest.
If you’re new to Junior ISAs or investing, it’s worth reading our guide to choosing the right ISA.
Our fees and charges
We believe in keeping fees simple, transparent and great value for money. We’ll talk you through all costs before you sign up and you’ll always be able to see them in your account.
Fee to open a Junior ISA
£0
Fee to transfer a Junior ISA
£0
You can find out more on our fees page.
Try our free calculatorReady to do more with a Junior ISA?
If you’d like to find out if our service is right for you and how we can help you do more with your money, please get in touch. There’s no obligation and our friendly team will talk you through your options.
Call us on 0191 625 0350
True Potential Wealth Management offers restricted financial advice. Our service is specifically designed for clients wishing to access their financial affairs online. With investing your capital is at risk. Investments can fluctuate in value and you could get back less than you invest. Tax rules can change at any time.