Stocks & Shares Junior ISA

Help give your kids a flying start in adult life

We're not currently accepting new applications for Junior ISA.

Help give your kids a flying start in adult life

Most 18-year-olds can only dream of saving towards a house deposit, or being able to leave university debt free. With a Stocks & Shares Junior ISA, we could help make those dreams a reality. Start investing little and often and build for the future.

The benefits of a Stocks & Shares Junior ISA

Why choose a Stocks and Shares Junior ISA

Potential higher returns

The NatWest Stocks & Shares Junior ISA invests in stocks and shares and offers the potential for better returns than a Junior Cash ISA over the long term if you are prepared to take some risks with your money over the long term (5 years or more).

Transparent pricing & tax efficient

There are no up-front charges for opening a Stocks & Shares Junior ISA, you'll just pay an ongoing charge capped at 1.5% per year which is used to run the fund. Remember, any growth in the value of your investment is tax free from UK tax.

Can be topped up at any time

If you've already opened a Junior ISA you and your family can top up from £1 up to £9000 for the 2020/21 tax year. If you don't have a Junior ISA, we're currently making some updates so not accepting new applications at this time. However we hope to be offering it again soon.

A Junior ISA is a great option if:

You’re good at waiting

If you play the long game, there’s the potential your child will reap the rewards. It’s important to note, as this is an investment the value can go down as well as up and you may get back less than what you put in.

You don't mind risk

There is a medium-level of risk. If you wish to reduce risk, you can choose to save in a Junior Cash ISA. NatWest does not currently offer a Junior Cash ISA, so you’ll have to approach another provider that does.

You don’t need access

The money has to stay in the account until your child hits 18. On their 18th birthday, the Stocks & Shares Junior ISA will automatically rollover into an adult Stocks and Shares ISA, at which point they will have access.

What other people ask us:

Important Documents

If you've recently applied or already hold a Junior ISA with us, here are the key documents for the account.

Existing customers

If you already hold a Junior ISA with us you can find out more about managing it and how it's performing. 

Something else we can help you with?