Junior Stocks & Shares ISA (JISA)

A tax-efficient way to invest for your child's future

Important: Adult account required

To open a Junior ISA with Invinitive, the parent or guardian must first have an active account with us. If you don't already have an account, please open an Investment Account, ISA, or SIPP before registering interest in a Junior ISA.

Overview

A Junior Stocks & Shares ISA is a long-term, tax-advantaged investment account for children under 18. Under current UK legislation, income and capital gains generated within the JISA are not subject to UK income tax or capital gains tax.

JISAs are subject to HMRC eligibility rules and annual subscription limits. The account is held in the child's name, with the parent or guardian managing it until the child reaches age 18, at which point control passes to them.

Invinitive's Junior ISA provides access to global markets through a modern, digital platform with transparent pricing and full online control.

We operate on an execution-only basis and do not provide financial advice.

Investment options

Through a Junior ISA, you can invest on behalf of your child in a broad range of standard, exchange-traded assets, including:

UK equities

Exchange-Traded Funds (ETFs) across regions and asset classes

Mutual funds / OEICs, where available on the platform

Please note: At this moment in time we do not offer CDIs for foreign equities.

Key points

Available for children under 18 who are UK residents

Parent or guardian must have an active Invinitive account before opening a JISA

Annual JISA subscription limit: £9,000 for 2026/2027

Only one Stocks & Shares JISA and one Cash JISA can be held per child per tax year

Child gains control of the account at age 18, at which point it converts to a standard ISA

No UK tax on income or capital gains within the JISA

Money is locked until the child turns 18 — withdrawals are not permitted except in exceptional circumstances

Investments remain at risk — values can go down as well as up

2026/2027 Allowances

Junior ISA annual subscription limit

The annual JISA subscription limit for 2026/2027 is £9,000. This can be split between a Stocks & Shares JISA and a Cash JISA, but only one of each type may be held per child per tax year.

Contributions can be made by parents, grandparents, or any other person. Only the registered contact (parent/guardian) can manage the account until the child turns 18.

Important — locked until age 18

Unlike an adult ISA, funds held in a Junior ISA cannot be withdrawn until the child reaches age 18, except in very limited circumstances (such as terminal illness). Please ensure you are comfortable with this restriction before investing.

Fees

Our Junior ISA pricing is simple and transparent:

Fee type	Amount
Platform fee	0.25% p.a. (capped at £400)
Trade fee	£7.95 per trade

View full pricing

Open a Junior ISA

Ready to invest for your child's future? Complete the form below and our team will be in touch to get you started.

Questions about Junior ISAs?

Our team is available to provide more information about Junior ISAs and the registration process.

Contact the team

Invinitive does not provide investment advice. Investments can fall as well as rise in value, and you may get back less than you invest. ISA rules and tax treatment depend on individual circumstances and may change in the future.