Stocks & Shares Junior ISAs
Invest with the Best Junior ISA provider for the last 7 years.
Your child deserves the best! A Junior ISA could give them a great start in adult life by helping to build them a long-term investment.
Capital at risk.
An award winning Junior ISA provider
Winner of Best Junior ISA Provider 2025 for the 7th year running at the Investment Life and Pensions Moneyfacts Awards.
With Scottish Friendly, you can be confident that your child's money is in good hands. We're dedicated to helping you plan for your family's financial future.
Do-it yourself
A selection of funds to choose from so you can tailor your child's investment, whether that is investing in just one, a mixture of them all or somewhere in between.
My Select (Junior ISA)
Select from a choice of funds from low to high risk
Invest from £30 a month
Pay in from £50 lump sum
A range of funds with different levels of risk and reward, so you can choose the ones that best suit your child's needs. Risk levels include balanced, cautious, aspiring, moderate and adventurous.
Ready-made
An easy start option of investing in a single fund. These ready-made options could be an ideal choice to begin investing for your child, even if you’re on a budget. Once set up, you'll be able to access the other funds available within the My Select (Junior ISA) range, giving you full control.
My Easy Select (Junior ISA)
Fund with an investment anniversary guarantee
Invest from £30 a month
Pay in from £50 lump sum
Get some peace of mind with a guarantee that your child will receive at least as much as you've invested on their 18th birthday and on the 10th and 15th year anniversaries from the investment start date. Guarantee terms apply.
My Climate Leader Select (Junior ISA)
Climate focused fund choice
Invest from £30 a month
Pay in from £50 lump sum
A single fund option to get started with an investment in our Climate Leaders fund. This has been designed to invest in equities of companies worldwide which the investment manager believes can benefit from the efforts to limit global climate change.
Keep in mind that stock market investments can go down as well as up, so your child could get back less than you've paid in. Tax treatment depends on individual circumstances and tax rules could change in the future.
If within the first 5 years of setting up the child's policy the registered contact transfers to another Junior ISA provider, or the child turns 18 and requests a withdrawal, which would leave a value of less than £50 in their policy there will be a charge of £50 deducted from the child’s plan.
Only a mum, dad or guardian can take out a Junior ISA for the child. However, once set up anyone can contribute. The funds in a Junior ISA belong to the child and can only be accessed by them when they turn 18.
Find your future the friendly way
Need help finding the right product for you? Our handy tool could help you choose. We've products designed to help you and your family whatever your goals in life.
Select ‘Invest for me’ or ‘Invest for a child’ to invest for you or a family member using your own ISA allowance. To invest for a child using the child’s allowance, select the ‘Invest for my child’ option. For Over 50's you can select to protect your family, too.
Learn more...
It’s an Individual Savings Account for a child that allows their savings and investments to grow tax-efficiently.
You can save and invest up to a total of £9,000 in Junior ISAs in the current tax year, which can be split across both a Cash Junior ISA and Stocks & Shares Junior ISA. Tax rules apply.
Got questions?
Transfer an existing Junior ISA
When it comes to investing for your child, we understand that you want what's best for them.
If you've got a Junior ISA with a different provider, transferring your child's Junior ISAs to us is straightforward. With our range of investment options, we could help boost their financial future.
And with our friendly pricing, the more you invest the lower your overall charge could be.
Transfer an existing Junior ISA to Scottish Friendly and you could receive a My Rewards gift voucher worth up to £500. Gift terms and qualifying criteria apply.
Already a customer?
Did you know a special feature of your child’s Scottish Friendly Junior ISA allows you to invest towards more than one savings goal at the same time?
Adding another policy to your child’s existing Scottish Friendly Junior ISA can help manage your different saving and investing goals for them.
And if your child is lucky enough to have a grandparent, aunt, uncle or family friend that has a soft spot for them and money to spare, then once set up, they can add their very own pot into the Junior ISA too and pay money in directly from them.
Whether you and your family want to save towards their dream car, a deposit for their first home, or wherever life takes them, you can have as many policies as you like within their Junior ISA limit for the tax year.
