Manage Cookie Preferences

To understand how people use our site and improve your experience on our website, we use cookies. Please choose which types of cookies you’re happy with – you can change your selection at any time. To learn more, read our Cookie Policy.

Junior ISA Account

Our Junior ISA can help you create a great start in life for your children.

Date last reviewed: June 5th, 2024

True Potential are trustedby more than 534,000 investors.

£30 billion invested on theTrue Potential Platform.

Why Choose a Junior ISA?

Protect up to £9,000 every year from tax per child

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.

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 16th birthday, at which point the money belongs to them. However, they cannot withdraw funds until their 18th birthday.

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).

Download our free guide to Choosing the right ISA for you.

* Indicates required fields

Enter your email and we will also send you our regular newsletter. We don’t share your information with third parties and you can unsubscribe at any time.


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


Fee to transfer a Junior ISA


Ongoing platform fee charge


Typical Ongoing Investment Charge


You can find out more on our fees page.

Try our free calculator

Brought to you by the True Potential Group.
True Potential Investments is an investment platform that provides investment products and services. Authorised and regulated by the Financial Conduct Authority, FRN 527444.

True Potential Wealth Management offers restricted financial advice. Authorised and regulated by the Financial Conduct Authority, FRN 529810.

True Potential is registered in England and Wales as a Limited Liability Partnership No. OC356611

With investing your capital is at risk. Investments can fluctuate in value and you could get back less than you invest. Tax is subject to an individual’s personal circumstances, and tax rules can change at any time.

Our website uses cookies to help personalise your experience with True Potential. By clicking "Accept all", you consent to our use of cookies. You can choose to control which cookies we use at any time, by clicking "Manage Preferences". If you choose not to accept some cookies, please note you may experience more limited functionality on our website. To learn more, read our Cookie Policy.