Junior ISA - existing customer information - NatWest

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NatWest Junior ISA

Helping you save for your child's future

Open a Junior ISA online Transfer a Child Trust Fund to a Junior ISA

The value of investments, and the income from them, can fall as well as rise, and you may not get back the full amount you invest. Any tax efficiencies referred to are those applying under current legislation, which may change.

  Paying into a Junior Stocks and Shares ISA

How much can be put into a Junior ISA in this tax year?

You can contribute up to £4,260 per child in this tax year. A tax year runs from 6 April one year to 5 April the next.

There are two types of Junior ISA:


  • Cash Junior ISA
  • Stocks and Shares Junior ISAs

You can open a Cash Junior ISA and a Stocks and Shares Junior ISA for a child provided you do not subscribe more than the annual contribution limit.


Children will only be able to hold one Cash Junior ISA and one Stocks and Shares Junior ISA at any time.

NatWest offers a Stocks and Shares Junior ISA, we do not offer a Cash Junior ISA. 

How can I top up a Junior ISA?

To top up by debit card or amend an existing direct debit, you can call us on:


NatWest: 0345 603 4047
Minicom: 0800 404 6161


Alternatively send us a cheque to: NatWest, PO BOX 1188, The Grange, Cheltenham, GL50 9UE clearly stating the account reference and child’s name to which the payment applies.

Who can pay into a Junior ISA? 

The Junior ISA has to be opened by a parent or legal guardian but anyone can make a subscription up to the annual limit, for example: parents, grandparents, friends and relatives.

  Managing a Junior Stocks and Shares ISA

Where is a NatWest Junior ISA invested?

The money is invested into the Stakeholder Fund, which is an investment fund that invests in equities, bonds and cash. This spread of assets aims to smooth out fluctuations in the share price as the markets rise and fall; however you should note that there is a risk to investing in this fund, and your child could lose money.


The Stakeholder Fund is a Balanced Managed fund. There is a greater level of risk investing in this fund than in a Junior Cash ISA, but a lower level of risk than investing directly in shares.  

How do I find out how the fund is performing?

Every six months we will send you a statement confirming the value of the investment and how it has performed.


Alternatively the fund prices are published daily in the Financial Times, or you can also go online to see the fund price at any time. Check the box next to “Stakeholder Fund”.


You can also call us on 0345 603 4047 Minicom number 0800 404 6161 to find out the value of your child’s Junior ISA. 

When can my child start to manage the account?

When your child is 16 years of age they can manage the account, however they are unable to withdraw any funds until they reach 18. 

Can the person with parental responsibility for the child maintain control over money accumulated in a Junior ISA once the child is 18? 

No. The money in the Junior ISA belongs to the child. The child can manage the Junior ISA from age 16 if they wish and make withdrawals from age 18.


The Junior Stocks and Shares ISA will automatically roll over into an adult ISA in the child’s name when the child turns 18. 

  Withdrawing from a Junior Stocks and Shares ISA

When can my child take money from their Junior ISA?

The money must remain in the account until your child reaches the age of 18. At that age, your child is free to withdraw the money or continue to invest. The Junior Stocks and Shares ISA will automatically roll over into an adult ISA and we will contact the child to confirm whether they wish to withdraw the account or continue with the adult ISA.

Can I transfer money from the Junior ISA into my own bank account?

No. You are unable to make withdrawals from the Junior ISA.

Need to get in touch with us?

Call Us

Please call us on 0345 603 4047.  Minicom number 0800 404 6161.

Lines are open: Monday to Friday 8.30am-5.30pm (excluding bank holidays).

Calls may be recorded.


Write to us

NatWest, PO BOX 1188, The Grange, Cheltenham, GL50 9UE


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