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Junior ISA

Annual account charges

The annual charge depends on whether you hold funds or shares in your child's Junior ISA. There are no charges for opening an account, holding cash or inactivity.


Value of funds Charge
On the first £250,000 0.45%
On the value between £250,000 -£1m 0.25%
On the value between £1m - £2m 0.1%
On the value over £2m No charge


Including UK and overseas shares, investment trusts, exchange-traded funds, VCTs, gilts and bonds.

capped at £45 per year

Important note about charges

The investments you choose may have their own charges, such as charges from a particular fund manager. These are in addition to our account charges. You can find these in each investment’s key investor information document. A bid/offer spread may also apply - see our Guide to Fund Prices for details.

Example of account charges

If you invest £5,000 in funds and £2,500 in shares, your charges would be £2.81 per month*.

£5,000 in funds

Annual charge (0.45%)

£2,500 in shares

Annual charge (0.45%)

Total charge

Annual charge (0.45%)

(£2.81 per month)

*The monthly charge will depend on the exact value of your account each month. To keep things simple here, we didn't include any investment growth.

Dealing charges

Fund dealing

There's no dealing charge for buying or selling funds.

Online and mobile app share dealing

Just £5.95 per deal including UK and overseas shares*, investment trusts, exchange-traded funds, gilts and bonds.

*There’s an added foreign exchange charge for overseas share deals, depending on deal size. See our overseas share dealing page for details.

Automatic reinvestment

If you’d like any share income automatically reinvested, we charge 1% of the trade value (minimum £1, maximum of £10). There is no charge to reinvest fund income. We’ll reinvest your income once it reaches £10 per holding, or the amount you choose.

How to pay charges

There’s no need to remember to make any payments. Each month we’ll automatically take charges from cash in your account.

If there’s not enough cash in your account, we’ll sell some of your investments to cover charges. There is no additional charge for this.

How much cash you need to keep available in your account depends on your investments. We’ll suggest a minimum cash amount for you, which you’ll be able to see in your account when you log in.

Other charges

  • Government taxes and levies (per deal)
    UK Stamp duty 0.5% on purchases of UK shares (round up to the nearest £5 for residual shares)
    PTM (Panel on Takeover and Mergers) £1 on UK share deals over £10,000
    Irish Stamp duty 1% on purchases of Irish shares
    French Financial Transactions Tax 0.3% on purchases of certain French shares
    Spanish Financial Transactions Tax 0.2% on purchases of certain Spanish shares
    Italian Financial Transactions Tax 0.1% on purchases of certain Italian shares
  • Telephone share dealing
    1% of the trade value, minimum charge £20, maximum £50.
  • Direct Debit into investments
    You can set up a Direct Debit from £25 per month. There's no charge for a Direct Debit into funds. For FTSE 350 shares and selected investment trusts and exchange-traded funds (ETFs) there's a charge of £1.50 per stock per month.
  • Account administration

    Made in addition to the charges above, where applicable.

    Account closure fee

    No charge

    Automated sales to cover charges
    (selling fund units or shares to cover fees)

    No charge

    Quarterly statement and valuation (paperless)

    No charge

    Quarterly statement and valuation (paper)

    No charge

  • Transfers

    Transfer out (as cash)

    No charge

    Transfer out (as stock)

    No charge

Other charges may apply in specific circumstances - see the terms and conditions for details.

Charges FAQs

Where can I see my child’s Junior ISA charges?

You can view account charges by logging in to your child’s Junior ISA, choosing the ‘Account administration’ tab, then selecting ‘View history of fees charged’.

How do I pay charges?

We automatically take charges from available cash on the account each month.

If there’s not enough cash in your child’s account, we’ll start to sell some of your child’s Junior ISA investments to cover charges. There is no additional charge for this.

For more details, please see our help and support section on collecting charges.

How much interest do I earn on cash in my child's Junior ISA?

It's important to keep some cash available in your child's Junior ISA for paying charges. You can also hold cash while deciding where to invest.

See our cash interest rates page for details.