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Junior Stocks & Shares ISA (JISA)


Coming soon.

A junior ISA is a permanently tax-free savings or investment wrapper aimed at encouraging families to save for their children’s futures.  Any money you put in one will be locked away until your child’s 18th birthday, when it becomes their cash (and will become a standard ISA).

You can put up to £9,000 into a junior ISA in the 2023/24 tax year which can be split whichever way you like between the two types of junior ISAs:

Junior cash ISAs. This is not offered through Invinitive.

Junior stocks & shares ISAs.  Invest in Global markets.  Returns depend on the performance of the positions you’ve invested in.

You and your Child must be UK tax resident to open an ISA.

In the 2023 to 2024 tax year, the savings limit for Junior ISAs is


A Junior Stocks and Shares ISA (JISA) is a tax efficient savings product available to anyone under the age of 18.  When the minor surpasses their 18th birthday it will be converted into a standard Stocks and Shares ISA, which they can pay into themselves.  It is at this point when the funds within a JISA can be withdrawn.

Low Cost

Our super low cost fees are 0.25% on all assets we hold, capped at £400 p.a.  Therefore your annual policy fees will not exceed £400.

Asset Range

Access to an array of global markets covering a vast range of Equities, Exchange Traded Funds, and Mutual Funds / Investment Trusts.

Foreign Currency

Your account will let you exchange almost any currency pair, allowing you to invest in foreign currency assets.


Live Pricing with immediate market access at a fixed cost of £7.95 per transaction, including FX.


Whether an active or a buy and hold trader, our platform has been designed for both professionals and novices.


No paperwork, no scanning and uploading, fully automated for an enhanced client experience.

Our Super Simple Fees



capped at £400 per annum



fixed for all online trades & fx


Any UK resident child under 18 can have a junior ISA but how to actually open one depends when they were born.

If your child was born after 3 January 2011, it’s simple – just click the link below and open it for them (or get them to open it if they’re 16 or 17).

However, any under-18s born before 2 January 2011 would most likely have had a Child Trust Fund (CTF) which was automatically opened for them by the Government. These CTF’s can now be converted to junior ISAs for enhanced financial housekeeping and the management of the investments.

A few under-18s born before January 2011 may not have had a CTF opened for them (for example, because they weren’t UK citizens at the time). If that’s the case, they’ll be able to apply for junior ISAs now.

You child cannot have both a CTF and an ISA.

Control & Access

Until the age of 16, parents or legal guardians are entirely in charge of paying money in, picking the providers and the type of junior ISA (cash or shares).

At 16, the child has the opportunity to take charge of these decisions if they want to – but the money is still untouchable until they hit 18.

Anyone with parental responsibility for the child can open an account. Usually these are the child’s parents, but even grandparents if they’re legal guardians of the child. However, ANYONE is allowed to put money into the account.


The value of your investments and the income from them can go down as well as up, you may get back less than you invest.  Tax treatment depends on individual circumstances and all tax rules may change in the future.  None of the above information should be construed as a personal recommendation or advice.  If you are unsure about the suitability of an investment or pension product you should speak to an authorised independent financial adviser.

Ready to get Started?

Open a new JISA

Open your account through our automated application process and then fund your account with as much as you wish to deploy or set up a Direct Debit to pay one off or regular premiums.

Transfer an Existing Account

If you have an account with another provider you can transfer it to us. Open an account then provide us with the details of your existing accounts and we will take care of it from there.

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