Coutts Invest Junior
Stocks AND Shares ISA

A Junior ISA could be a great way to start investing early for your child's future.

SET UP A JUNIOR ISA

The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply.

What is a coutts Junior ISA?

A Coutts Junior ISA is a tax efficient savings account that a parent or guardian can pay into on behalf of their child aged under 14. This could be in the form of a Cash Junior ISA or a Stocks and Shares Junior ISA – which the child can only have one of each.

You could pay into both types in the same year, but you cannot exceed the overall Junior ISA allowance of £9,000. The child won't be able to withdraw from their Coutts Junior ISA until they've turned 18.

What is a Junior ISA?

A Junior ISA is a tax efficient savings account that a parent or guardian can pay into on behalf of their child aged under 14. This could be in the form of a Cash Junior ISA or a Stocks and Shares Junior ISA – which the child can only have one of each.

You could pay into both types in the same year, but you cannot exceed the overall Junior ISA allowance of £9,000. The child won't be able to withdraw from their Junior ISA until they've turned 18.

Why choose a STOCKS AND SHARES Junior ISA?

A Stocks and Shares Junior ISA could allow you to invest in your child's future in a tax-efficient way. Some benefits of a Junior ISA include:

  • Any investment returns are free from UK income and capital gains tax
  • The Junior ISA allowance is £9,000 per child for the current tax year
  • Invest an initial lump sum from £50, or set up a regular monthly contribution from just £10
  • Choose from five ready-made funds
  • Top up any time from £10

Who can open a coutts Junior ISA?

To open a Junior Stocks and Shares ISA you must:

  • Have parental responsibility for a child ages under 14 and living in the UK
  • You must be aged 18 or over
  • Open the account in the name of your child, however they won’t be able to make any withdrawals until they’re 18
  • Transfer your child's existing Child Trust Fund (CTF) or a Stocks and Shares Junior ISA, if they already have one

Tax reliefs referred to are those applied under current legislation, which may change. The availability and value of any tax relief will depend on your individual circumstances.

FEES AND CHARGES

Frequently asked questions

  • Can money be withdrawn from the Junior ISA?

    No. Money paid into the Junior ISA is put away until the child turns 18. No withdrawals can be made until the child's 18th birthday (other than in exceptional circumstances, for example, if the child is terminally ill and you make a request to HMRC to access the money in the Junior ISA). We will contact the child before their 18th birthday to set out the options available to them. When the child reaches 18, they can access the account and they may withdraw the money or leave it invested and allow the account to change to an adult ISA.

  • What are the funds to select from?

    There are five Personal Portfolio Funds to choose from which invest in a range of other funds from leading investment managers to help spread the risk.

  • How can I top up my child's Coutts Invest Junior ISA once it has opened?

    You can log into your Coutts Invest investment online 24/7 and make a top-up.

  • Can I transfer money from Coutts Invest Junior ISA to my own bank account?

    No. All money in the Junior ISA is a gift to the child and cannot be returned. You are unable to withdraw any money or investments from the Coutts Invest Junior ISA (other than in exceptional circumstances under law).

  • Where will my money be invested?

    The five ready-made investment funds available through are well diversified. They invest around the world and in different sectors. You can find out where your money will be invested by checking the latest available fund factsheets. 

    You can visit our Fund Performance pages to find out more information on how the five ready-made investment funds have performed in the past. 

Ready to start?

To do this, you’ll need to be a Coutts client with Online Banking, aged 18 - 84 and a UK resident for tax purposes.

 

Log in to Coutts Invest

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Whether you’re an experienced investor or just finding out what investing is, we’ve got a range of articles to help you understand more about investing.

We regularly update our articles depending on what’s happening in the market so check back for future updates.

 

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