Saving for your kids future

NatWest Invest Junior Stocks & Shares ISA 

NatWest Invest latest offers

Cash reward

Depending on how much you invest, you could get a cash reward from £20-£5,000 by starting, topping up or transferring into a NatWest Invest account.

Offer ends at 5pm on 4th March 2024.

Your capital is at risk, eligibility criteria, T&C's, fees and charges apply. We reserve the right to withdraw this offer before 4th March 2024.

£10,000 prize draw

Set up a new regular monthly payment to a NatWest Invest account for the chance to be entered into a prize draw. One lucky winner will get £10,000 and 10 others will win £1,000.

Entry by 5pm on 4th March 2024.

Your capital is at risk, eligibility criteria, T&C's, fees and charges apply. We reserve the right to change or withdraw this promotion before 4th March 2024.

Investing with a Junior Stocks & Shares ISA

Junior ISA explained

A Junior ISA could be a fantastic way to ensure your child has a great start in life, tax free. Start investing little and often to build for their future. Choose from five ready-made funds managed by Coutts investment managers, so you don't have to. 

Why choose a Junior ISA?

  • 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 do the fees work?

Platform fee: 0.15%

This covers the cost of administration and online access to your NatWest Invest Junior ISA account. The maximum you will pay is 0.15% of the value of your investment each year.

Fund ongoing charge: 0.40%

This covers the cost of managing your investment. The maximum you will pay is 0.40% of the value of your investment each year.

Transaction Costs: 0.07%

This is the cost of buying and selling shares and other investments that make up the fund. The fund manager estimates, based on actual past costs, that the highest costs that will be incurred for any of the available funds will be 0.07% of the value of the fund each year. These costs will be deducted by the fund manager from the fund’s assets.


Data accurate as of February 2023. Fees may change.

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.

Something else we can help you with?