Start investing with a lump sum of £50 or a monthly contribution from £10
Choose from 5 investment options based on the risk level you're happy with
The money is managed by Coutts investment experts
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Over longer periods of time (five years or more), investments such as stocks, shares and funds have the potential to give you higher returns compared to cash savings. But the value of investments can fall as well as rise. There is a chance you may get back less than you put in. Eligibility criteria, fees and charges apply.
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Money invested in a Junior ISA belongs to the child. It can only be withdrawn by them when they turn 18.
What is a Junior ISA?
A Junior Stocks and Shares ISA is an account that lets you invest money for a child under 18. The account is free of UK Income and Capital Gains Tax.
With a Royal Bank of Scotland Junior Stocks and Shares ISA, you can choose to invest for your child in one of five ready-made funds. These investments could give a better return than cash over the long term. But they can go down in value as well as up.
The money in the ISA belongs to the child, but they can't take it out until they turn 18. The limit for contributions is £9,000 per tax year.
Tax reliefs referred to are those applied under current legislation, which may change. The availability and value of any tax relief will depend on your individual circumstances.
Why invest with us?
How to open and fund a Junior ISA
First, decide what kind of risk you want to take. We have five ready-made funds you can invest in, ranging from low risk to high risk.
Then, choose how you would like to open the Junior Stocks and Shares ISA account, with either:
- at least a £50 deposit and with the flexibility to choose when and how you top up
- no initial deposit and with a standing order of £10 or more each month
Currently, only the parent or guardian who opened the Junior ISA can make payments into the account.
Discover what a Junior ISA could do for your child
Try our investment tool and check what your child's savings could become with a Junior Stocks and Shares ISA. It’s quick and simple to use.
Your investments are protected
Eligible investments with us are protected up to a total of £85,000 by The Financial Services Compensation Scheme (FSCS). This means if Royal Bank of Scotland were to cease trading, your money is protected.
This doesn’t include losses made as a result of investing.
Understanding investing
What’s the difference between saving and investing, when is it a good time to invest and other burning questions are answered in our investment insights.
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Learn more about ISAs
For all the ins and outs about ISAs, including how they work, tax thresholds, and what to consider before investing, have a look at our ISA guide.
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Turning 18? Find out what happens to your Junior ISA
Before you turn 18, we’ll contact you to say that your Junior ISA will mature on your birthday. This means it will change to an adult Stocks and Shares ISA and you’ll be able to access the money.
To help you decide what you’d like to do, this page explains the account type you’ll have from your 18th birthday, the options you have, and next steps.
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