Stocks & Shares Junior ISAs

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.

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?

About the Scottish Friendly Junior ISA

With Scottish Friendly, you’ll be investing with an award-winning Junior ISA provider:  

  • Winner of Best Junior ISA Provider 2023 for the 5th year running at the Investment Life and Pensions Moneyfacts Awards.

  • Best Junior ISA Provider 2023 winner at the World Business Outlook Awards.


Two ways to get started

As kids get bigger, so do their expenses. From driving lessons to a deposit for their first home. However, our Junior ISA options could help their money grow as fast as they do.


  • A carefully selected single fund option

  • Features a fund with Ethical credentials


  • Choice of funds from low to high risk

  • Select just one, a mixture of all 9, or somewhere in between

Please note that Scottish Friendly doesn’t offer a Cash Junior ISA. 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 policy the registered contact transfers the policy to another Junior ISA manager, there will be a charge of £50 deducted from the withdrawal value. 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.


An easy start option of investing in a single fund.

My Ethical Select (Junior ISA)

  • Ethical fund choice

  • Invest from £10 a month

  • Pay in from £50 lump sum

Do-it yourself

A selection of 9 funds to choose from so you can tailor your child’s investment, whether that is investing in just one, a mixture of all 9 or somewhere in between. This includes a Unitised  With-Profits fund that comes with a guaranteed minimum payout when the child turns 18, provided no switches or withdrawals are made.

My Select (Junior ISA)

  • Select from a choice of 9 funds from low to high risk

  • Invest from £10 a month

  • Pay in from £50 lump sum

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.

Click to select
Click to select
Click to select

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. 

growth pot

Manage your child's Junior ISA online and on the go

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

download phone

Prize draw

Building savings and investments could be a smart move. And with Scottish Friendly, it gets even better. You’ll automatically enter our prize draw when you open a new ISA or add a policy to your existing ISA.

Here’s the exciting part. You could be one of three lucky winners to receive back the total amount you invested this tax year, up to £20,000.

Exclusions, Terms and Conditions apply.

prize draw