Junior ISAs

Junior ISAs

Save or invest for your little ones with a child ISA. Start from just £10 a month

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Our Junior ISA

We all want our kids to get the best possible start in adult life. A Junior ISA helps you build a long-term investment, so that when they turn 18 you could give them a handy tax-free cash sum for whatever they want.

Tax-free means the policy grows free of income and capital gains tax (other than tax on dividends from UK shares).

  • Invest from £10 a month or a lump sum from £50 or transfer in from another provider.
  • Choose from a range of 8 funds.
  • Invest up to £4,080 this tax year.
  • Split your child's investment into separate policies so family members can invest in their own pot.
  • The value of your investments can fall as well as rise, so your child could get back less than you paid in.
  • The fund aims to grow your money over time on the stock market, so it should be considered as a long-term investment.
  • Money invested in a Junior ISA belongs to the child. They can only withdraw it when they reach 18.

Start a Junior ISA investment from £10 a month

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Add a policy to an existing Junior ISA today

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What is a Junior ISA?


Junior ISAs explained

Junior ISA rules

Junior ISA allowance

Every year, the Government sets a limit of how much you’re allowed to invest in your choice of Junior ISA. The current allowance for the 2016/2017 tax year is £4,080, which can be split across two types of Junior ISA.

More about your Junior ISA allowance

Junior ISA calculator

Junior ISA calculator

How much could your child's Junior ISA be worth in the future? Take a look at what they might get back with our easy to use Junior ISA calculator now.

Try our Junior ISA calculator

Who can pay into a Junior ISA?

Who can pay into a Junior ISA?

A Junior ISA can only be set up by a child’s parent or guardian. But once that’s done, anyone can contribute towards the youngster’s financial future, from grandparents and godparent to uncles, aunts and family friends.

Who can pay into a Junior ISA?

Adult Investment ISAs

Adult Investment ISAs

Because we think that investing for the future should be available to everyone, Scottish Friendly offers a range of ISAs starting from only £10 a month.

More about ISAs

No advice has been provided by Scottish Friendly in relation to this plan. If you are in any doubt as to whether this plan is suitable for you, you should contact a financial adviser for advice. If you do not have a financial adviser, you can get details of local financial advisers by visiting www.unbiased.co.uk. Advisers may charge for providing such advice and should confirm any cost beforehand.