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NatWest Junior ISA

Building your child's future, today

Start investing with a lump sum of £50 or a monthly contribution from £10

Choose from 5 investment options based on the risk level you're happy with

The money is managed by Coutts investment experts

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Over longer periods of time (five years or more), investments such as stocks, shares and funds have the potential to give you higher returns compared to cash savings. But the value of investments can fall as well as rise. There is a chance you may get back less than you put in. Eligibility criteria, fees and charges apply.

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Money invested in a Junior ISA belongs to the child. It can only be withdrawn by them when they turn 18.

What is a Junior ISA?

A Junior Stocks and Shares ISA is an account that lets you invest money for a child under 18. The account is free of UK Income and Capital Gains Tax.

With a NatWest Junior Stocks and Shares ISA, you can choose to invest for your child in one of five ready-made funds. These investments could give a better return than cash over the long term. But they can go down in value as well as up.

The money in the ISA belongs to the child, but they can't take it out until they turn 18. The limit for contributions is £9,000 per tax year.

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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.

Why invest with us?

Expertly managed

Coutts has been managing wealth for over 300 years. Your child’s money will be invested in funds built and managed by their experts. 

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Low fees

Our fees are low so you keep more of any money you make. We charge 0.55% of your investment. That’s 55p for every £100 in your investments.

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Straightforward choice

Choose from five ready-made funds, built by Coutts’ investment experts, to suit the level of risk you want to take. 

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How to open and fund a Junior ISA

First, decide what kind of risk you want to take. We have five ready-made funds you can invest in, ranging from low risk to high risk.

Then, choose how you would like to open the Junior Stocks and Shares ISA account, with either:

  • at least a £50 deposit and with the flexibility to choose when and how you top up; or
  • no initial deposit and with a standing order of £10 or more each month

Currently, only the parent or guardian who opened the Junior ISA can make payments into the account.

Investment forecast calculator Investment forecast calculator

See how investing today could support your child’s future

Our investment forecast calculator can show you what a NatWest Junior ISA could be worth.

The tool can help you explore our ready-made funds, try out different contributions, and see the potential value of an investment over time.

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Ready to open a Junior ISA?

In summary, a Junior ISA is a way of investing money for your child until they are 18. This money belongs to the child, which means that you won't be able to make any withdrawals. 

Please take your time to read all the information above and decide if investing with us is right for you. We’ve also got guides to help you learn more about investing.

If you're ready to apply for a Junior ISA, you must:

  • be a NatWest customer with a personal bank account and Online Banking.
  • be the parent or legal guardian for a child who is aged 13 and under. Relatives (such as grandparents) cannot apply unless they have been granted legal custody by the courts. Currently, only the parent or guardian who opened the Junior ISA can make payments into the account.
  • be aged 18 or over; and
  • a resident in the UK. 
Open a Junior ISA Open in new window
Transfer a Junior ISA or Child Trust Fund Open in new window

Your investments are protected

Eligible investments with us are protected up to a total of £85,000 by The Financial Services Compensation Scheme (FSCS). This means if NatWest were to cease trading, your money is protected. 

This doesn’t include losses made as a result of investing. 

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Helpful information

Understanding investing

What’s the difference between saving and investing, when is it a good time to invest and other burning questions are answered in our investment insights.

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Learn more about ISAs

For all the ins and outs about ISAs, including how they work, tax thresholds, and what to consider before investing, have a look at our ISA guide.

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Our ISA guide Open in new window

Turning 18? Find out what happens to your Junior ISA

Before you turn 18, we’ll contact you to say that your Junior ISA will mature on your birthday. This means it will change to an adult Stocks and Shares ISA and you’ll be able to access the money.

To help you decide what you’d like to do, this page explains the account type you’ll have from your 18th birthday, the options you have, and next steps.

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Not ready to invest?

You could set your child (or grandchild) up for success with our First Saver kids savings account.

  • From their first bike to driving lessons – save money for your kids’ future.
  • Turn a year’s spare change into Christmas presents with Round Ups. Criteria apply.
  • A free and flexible savings account for babies and kids.
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