Junior ISA
Charges
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.
Funds
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 |
Shares
Including UK and overseas shares, investment trusts, exchange-traded funds, VCTs, gilts and bonds.
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*.
Annual charge (0.45%)
Annual charge (0.45%)
Annual charge (0.45%)
*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. To sell shares, we'll charge £1.50 per deal. There is no charge to sell funds.
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
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. To sell shares, we'll charge £1.50 per deal. There is no charge to sell funds.
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.