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Junior ISAs

We all want our kids to get the best possible start in adult life and a Junior ISA could help build a long-term investment for them.

When they turn 18 it could provide a handy cash sum for whatever they want - from a deposit on their first house, to paying for university costs.

My Select (Junior ISA)

Use your child's Junior ISA allowance to invest for their future.

A selection of eight funds to choose from, so you can tailor your child's investment.

From an affordable £10 a month, a lump sum from £50 or transfer in from another Junior ISA provider.

Junior ISA quick guide

Junior ISAs are designed to help people like you give your child a head start as they begin adult life. Here's a quick guide to how they work.

There are two types of Junior ISA: Cash Junior ISA and Investment Junior ISA. Your child can have one of each.

You child's annual tax efficient allowance is £4,128 for the tax year 2017/2018. This is the total amount that you can save or invest in both types of Junior ISA.

Tax is not charged on any interest earned or gains made (other than dividends from UK shares) within an account.

Need help managing your child's Junior ISA?

It's easy to start managing your child's Junior ISA online with My Plans. But if you need some help getting things done, or aren't sure where to start, we've lots of FAQs and tutorials to get you going.

Why choose Scottish Friendly?

  • Established since 1862

    We've been helping families to save and invest for over 150 years and proud to be one of the largest mutuals in the UK.

  • We're a mutual

    As a mutual, we're owned and run for the benefit of our members. We don't have shareholders, so any profits are normally reinvested for the interest of our members.

  • You're protected

    Your money is protected by the Financial Services Compensation Scheme.

Looking to invest for yourself?

An Investment ISA could help you build a long-term investment, whatever your financial goal might be. Perhaps towards a new car or family holiday?

Already used your ISA allowance?

If you've already maxed out your ISA allowance this year, or you're looking for an alternative way to invest, our Bonds offer another way to invest tax-efficiently.