Account options

Junior Stocks & Shares ISA

Save for your child’s future with our tax-efficient Junior Stocks & Shares ISA and give them a financial head start. Shelter up to £9,000 per year.

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The benefits of our Junior Stocks & Shares ISA

Investing in a Junior ISA is one of the most straightforward ways to save for the next generation in a tax-efficient way.

Generous annual allowance

You can make regular contributions or invest a lump sum up to the annual £9,000 allowance with our ISA for children.

Tax efficient

You won’t pay capital gains tax on any profits and there’s no income tax to pay on dividends from shares or the income earned on bonds.


Once your child reaches 18 the account matures and rolls into an adult ISA and they can access the money.

Make their savings work harder

Inflation can erode the spending power of cash over time. A Junior Stocks & Shares ISA gives your money more chance to beat inflation over the longer term.

Our Junior Stocks & Shares ISA is ideal for

Investing for your children or grandchildren

A Junior Stocks & Shares ISA is a great way for parents and grandparents to invest money for their children or grandchildren, which cannot be accessed until they turn 18.

Transferring Junior ISAs

You can easily transfer and consolidate existing Junior Cash ISAs or Child Trust Funds held with other providers into our Junior Stocks & Shares ISA.

Investment flexibility and choice

You can invest a Junior ISA in a wide range of assets in order to take advantage of global investment opportunities and maximise growth.

What is a Junior ISA?

A Junior ISA (JISA) is a tax-efficient savings account for children under 18 who are residents in the UK. It’s a popular way for family and friends to build up tax-efficient savings for a child.

Junior ISA tax allowances

The tax benefits with a Junior ISA are the same as an adult ISA, with no capital gains or income tax. You can invest up to £9,000 every year, but cash withdrawals are only possible from the age of 18 when it automatically converts to an adult ISA.

With our Stocks & Shares JISA, you can invest in:

  • Shares
  • Funds
  • Investment trusts
  • Corporate and government bonds

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How would you like to manage their investments?

We have a wide range of investment services, offering you the flexibility to be as involved as much or as little as your like.

Direct Investment Service

I would like to manage my own investments

Invest in your future using our first-class investment platform and app. Securely manage your portfolio online, with no minimum investment level.

  • You will have access to our platform and dealers to make your investment decisions.
  • You can construct your investment portfolio from a wide range of investments, from stocks & shares, funds, ETFs and more.
  • Our low platform fee is a maximum 0.35%, with savings available through our loyalty programme.
  • No minimum investment.
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Foundation Portfolio Service

I would like an expertly managed portfolio, in a cost-effective way

Straightforward way to access our investment expertise. We'll help you invest in one of our funds to suit your needs.

  • Access our advice desk whenever you want to contact us by phone or email (please note that our advice is restricted).
  • A range of five actively managed funds, and we’ll guide you to the one that most closely matches your investment objectives and risk appetite.
  • Annual review to ensure we’re managing your money in the most suitable investment strategy.
  • Minimum investment - £20,000.
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Bespoke Investment Service

I would like a professional to manage my investments for me

Entrust a dedicated expert to make investment decisions on your behalf.

  • You’ll have direct contact with your investment manager, speaking directly to the person responsible for your portfolio.
  • We’ll construct a portfolio based on your personal circumstances, investment objectives and risk appetite.
  • We can accommodate your investment preferences, such as responsible and ESG investing; also allowing you to hold your cherished holdings.
  • Minimum investment £200,000.
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Frequently asked questions

The allowance for the current tax year is £9,000.

Money and investments held in a Junior ISA belong to the child. Therefore, only your child can access the money. and only when they are 18. At this time the JISA automatically converts into our flexible ISA.

The parent or legal guardian of a child under the age of 18 and UK resident can open our JISA. The account will change automatically into an adult Stocks & Shares ISA in their name once they turn 18.

Child Trust Funds (CTFs) were introduced to encourage children to save money later in life, building on an initial contribution made by the government. These tax-efficient accounts have now been replaced by Junior ISAs, but you can still continue to pay into a Child Trust Fund – or you can easily transfer one to a JISA.

Yes, you can transfer your Child Trust Fund into a Junior ISA. If your child has a Child Trust Fund you will need to transfer all money and investments in this to your Charles Stanley Junior ISA before making new subscriptions with us.

Yes, grandparents, relatives or family friends can contribute to a JISA.

The parent or guardian is responsible for the management of the JISA and can make investment decisions, but the investments belong to the child.

Request a call back

Get a better understanding of your current situation and the options available to you, take advantage of a free consultation with a financial expert.

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More account options

Choose from our range of accounts, to ensure you make the most of your tax allowances or exemptions, whilst making sure you can access your money when you need it.

Account options

Stocks & Shares ISA

Make your savings work harder with our flexible ISA. Shelter up to £20,000 per tax year.

Account options

Investment Account

Start investing today with a wide range of funds and shares or transfer and consolidate any existing holdings.

Account options

Self-Invested Personal Pension

Create more opportunities for your retirement by saving more within a SIPP. Pay in up to £60,000 per tax year and get tax relief.

Charles Stanley is not a tax adviser. Information contained within this page is based on our understanding of current HMRC legislation. Tax reliefs and allowances are those currently applying and the levels and bases of taxation can change. Tax treatment depends on the individual circumstances of each person or entity and may be subject to change in the future. If you are in any doubt, you should seek professional tax advice.