Give your little one a big
head start
Our range of children’s investment accounts give you the chance to prepare for everything from education costs to buying their first home, as well as putting the building blocks in place for later life with a pension.
See our range of accountsLow account feesOur low-cost charges mean they’ll have more money when they come to access it. You’ll never pay more than 0.25% account charge, with Dealing charges as little as £1.50.
Safely locked awayFor ISA and Dealing accounts, money can only be accessed by your little one once they turn 18.
Anyone can pay inAny adult, whether related to the child or not, can pay into these accounts. Shareable account links can be generated through our website.
The value of your investments can go down as well as up and you may get back less than you originally invested. We don't offer advice, so it's important you understand the risks, if you're unsure please consult a suitably qualified financial adviser. Tax treatment depends on your individual circumstances and rules may change.
Junior ISA
Give the little one in your life a big boost with our low-cost junior account.
Key benefits:
Invest up to £9,000 per tax year
Money safely locked away until the child is 18 years old
Can be opened by parents
Anyone can pay into it
Convert to an adult account when they turn 18
Junior SIPP
Give them a head-start in later life with the building blocks of a pension.
Key benefits:
Contribute up to £2,880 per tax year and get 20% tax relief, taking the total to £3,600
Access from age 55 (57 from 2028)
Access to the full range of investment options
Link an adult SIPP to your child’s account
Convert to an adult SIPP when they turn 18
Dealing account for children
Buy shares, invest in funds, and more with our no-limit account. Also known as a ‘Bare trust’ dealing account.
Key benefits:
No limit on how much you can invest or access
No withdrawal restrictions
Access to our full range of investments
Can use the child’s annual income and capital gains tax allowance for any investment growth
Open a Dealing account for children More on Dealing accounts for children
Transferring a Child Trust Fund
If your child has a trust fund and you want more control over how it’s invested, you can transfer a Child Trust Fund to a Junior ISA. And if they’re soon turning 18 or their trust fund has matured, you can transfer it to an adult account.
Remember that tax rules can change in the future and the tax treatment depends on your child’s personal circumstances.
Still not sure about opening a junior account?
Deciding how to plan for a child’s future can be difficult, especially if you're not sure about which option is best. Here, our experts help by sharing their knowledge.

We look at the different ways you can save for a child’s future.

Learn what to do when a Junior ISA matures.
We'll help you get investing
For over 25 years, AJ Bell has made investing simple and affordable.
We’re a 5x Which? Recommended Provider, with an award-winning range of accounts.
If you’d like more information about AJ Bell’s accounts and services, get in touch with our friendly customer services team - we’re here to help.