Junior ISA

NatWest Invest Junior Stocks & Shares ISA

The NatWest Invest Junior ISA is a Stocks & Shares ISA. The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply.

Win a trip to the Paris 2024 Olympic Games

Open or top up your NatWest Stocks and Shares ISA by 20th June to be in with a chance to win tickets to the Olympic Games in Paris 2024. One lucky winner will get:

  • Two tickets to Beach Volleyball and Athletics
  • Two Team GB House hospitality tickets
  • Two nights accommodation for two in the centre of Paris (breakfast included)
  • £500 towards your travel and expenses.

For every £50 you invest in your NatWest Stocks and Shares ISA, we will give you an entry into the prize draw (from the 6th April 2024 until 5pm on the 20th June 2024). Exclusions apply. Your capital is at risk. T&Cs, fees & charges apply. Must be 18+ to apply. No purchase necessary.

What is a Junior ISA?

A Junior ISA could be a fantastic way to ensure your child has a great start in life. Start investing little and often to build for their future. Choose from five ready-made funds managed by Coutts investment managers. 

Why choose a Junior ISA?

A Junior ISA might be the right investment for you if you are looking for a tax-efficient way to save for your child. Here are some of the benefits and things you should consider about Junior ISAs:

  • No UK Income or Capital Gains Tax to be paid.
  • The Junior ISA allowance is £9,000 per child for the current tax year.
  • Invest an initial lump sum from £50, or set up a regular monthly contribution from just £10.
  • Top up any time from £10.

Who can open a Junior ISA?

To open a Junior Stocks and Shares ISA you must:

  • Have parental responsibility for a child aged under age 14 and living in the UK.
  • Be aged 18 or over.
  • Open the account in the name of your child, however they won’t be able to make any withdrawals until they’re 18.
  • Transfer your child's existing Child Trust Fund (CTF) or a Stocks and Shares Junior ISA, if they already have one. 

If your child already holds a Junior ISA with us before October 2019, you can find out about options available to you here.

Check out our Junior ISA investment calculator

A Junior ISA is an investment in your child's future. Choose how much you'd like to put into one and see how much it might make.

1. Five ready-made funds

Find out about our five funds in more detail below.


2. Have you invested before?

Amount invested


Likely return


If your investment performs worse


If your investment performs better


These forecasts show what you could get back in different market conditions and aren’t a guarantee of a set return. The value of investments can fall as well as rise, and you may not get back the full amount you invest. More about your forecast.

How much does it cost to invest with us?

We get that figuring out investment costs can be tricky. Our goal is to make it easy for you to know what you'll pay as a customer. 

Platform fee

This covers the cost of admin and online access.

Fund ongoing charge

This covers the cost of managing your investment.

Transaction costs

The cost of buying and selling shares and other investments.

Here's an example

If you invest £1,000 in to our NatWest Invest Junior ISA, then we estimate that it'll cost approximately £6.20 a year to invest with us. 

Junior ISA - Frequently asked questions

Ready to start?

To do this, you’ll need to be a NatWest customer with Online Banking, aged 18 - 84 and a UK resident for tax purposes.

Learn more about investments

Whether you’re an experienced investor or just finding out what investing is, we’ve got a range of articles to help you understand more about investing.

We regularly update our articles depending on what’s happening in the market so check back for future updates.

Your investments are protected

The Personal Portfolio Funds available through NatWest Invest are based in the UK and so are covered by the UK Financial Services Compensation Scheme (FSCS), up to a maximum of £85,000 per person.

Something else we can help you with?