nest eggGUIDE

COMPARE PROVIDERS

A clearer view
of their options.

Look beyond the headline. Compare the costs, access and everyday details that matter to your family.

Two parents talking on a walk with a pushchair.

10 products · 7 providers · selected coverage

Compare account types, costs and everyday features. All links currently go directly to providers without commission. Alphabetical order, with no paid placements. How we compare →

Investments can fall in value. Junior ISAs normally remain locked until 18; Junior SIPPs until pension age — 57 from April 2028 under current rules, potentially later for today’s children. Online access does not mean you can withdraw.

10 accounts · alphabetical order

Stocks & shares Junior ISA

AJ Bell

Choose your investments

Annual account / management fee0.25% on funds. Shares: 0.25%, capped at £30/year.
Starting amount
£250 lump sum or £25/month
Manage the account
Website and provider app; junior-specific app tasks not independently tested.
Access to money
Normally withdraw at 18.

Source checked 29 Oct 2026

Fees, family features & sources
Investment charges
Chosen investments have separate charges.
Dealing
Online: funds £1.50; shares £5 (£3.50 frequent-trader rate). Selected monthly investments free.
Investment choice
Funds, shares, ETFs, trusts, bonds and gilts.
Family contributions
Gift payment links available; Junior ISA family linking is not available.
Transfers
Provider-led transfer available; check existing-provider costs and eligible holdings.
Worth checking
Account fees exclude investment charges, tax and FX costs.

Read customer ratings on Trustpilot ↗
Provider-wide reviews, not a junior-product score.

App features are provider-described. We have not performed hands-on usability testing.
Provider product information ↗Non-affiliate link · no commission

Junior SIPP

AJ Bell

Choose your investments

Annual account / management fee0.25% on first £250,000 of funds; 0.10% on next £250,000; 0% above. Shares: 0.25%, capped at £120/year.
Starting amount
£500 lump sum or £25/month
Manage the account
Website and provider app; junior-specific app tasks not independently tested.
Access to money
Pension-age restrictions; control at 18.

Source checked 29 Oct 2026

Fees, family features & sources
Investment charges
Chosen investments have separate charges.
Dealing
Online: funds £1.50; shares £5 (£3.50 frequent-trader rate). Selected monthly investments free.
Investment choice
Funds, shares, ETFs, trusts, bonds and gilts.
Family contributions
Junior SIPP family linking requires a form.
Transfers
Provider-led transfer available; check existing-provider costs and eligible holdings.
Worth checking
Account fees exclude investment charges, tax and FX costs.

Read customer ratings on Trustpilot ↗
Provider-wide reviews, not a junior-product score.

App features are provider-described. We have not performed hands-on usability testing.
Provider product information ↗Non-affiliate link · no commission

Stocks & shares Junior ISA

Beanstalk

Limited fund choice

Annual account / management fee0.50% a year.
Starting amount
No minimum contribution to open.
Manage the account
App-led account; browser management not verified.
Access to money
Normally withdraw at 18.

Source checked 29 Oct 2026

Fees, family features & sources
Investment charges
Fund charges of 0.12–0.15% a year in addition.
Dealing
Separate dealing tariff not verified; check full terms.
Investment choice
Choose how contributions are allocated between the offered funds.
Family contributions
Invitations for relatives, gift messages and round-ups.
Transfers
Junior ISA and Child Trust Fund transfers supported.
Worth checking
Provider requires the child to be under 16 when applying.

Read customer ratings on Trustpilot ↗
Provider-wide reviews, not a junior-product score.

App features are provider-described. We have not performed hands-on usability testing.
Provider product information ↗Non-affiliate link · no commission

Stocks & shares Junior ISA

Fidelity

Choose your investments

Annual account / management feeNo service fee for junior accounts.
Starting amount
£100 lump sum or £25/month
Manage the account
Online management and apps; usability not independently tested.
Access to money
Normally withdraw at 18.

Source checked 29 Oct 2026

Fees, family features & sources
Investment charges
Fund charges depend on the investments selected.
Dealing
Funds: no dealing fee. Exchange-traded investments: £7.50 online or £1.50 regular savings deals.
Investment choice
Self-select funds, shares, ETFs and investment trusts.
Family contributions
Friends and family can contribute; provider payment processes apply.
Transfers
Transfer facility available; use the provider process.
Worth checking
The junior product page says £100 lump sum; an older general account page still says £1,000. Confirm during application.

Read customer ratings on Trustpilot ↗
Provider-wide reviews, not a junior-product score.

App features are provider-described. We have not performed hands-on usability testing.
Provider product information ↗Non-affiliate link · no commission

Junior SIPP

Fidelity

Choose your investments

Annual account / management feeNo service fee for junior accounts.
Starting amount
£800 lump sum or £20/month before tax relief
Manage the account
Online management and apps; usability not independently tested.
Access to money
Pension-age restrictions; control at 18.

Source checked 29 Oct 2026

Fees, family features & sources
Investment charges
Fund charges depend on the investments selected.
Dealing
Funds: no dealing fee. Exchange-traded investments: £7.50 online or £1.50 regular savings deals.
Investment choice
Self-select funds, shares, ETFs and investment trusts.
Family contributions
Friends and family can contribute; provider payment processes apply.
Transfers
Transfer facility available; use the provider process.
Worth checking
Regular or third-party payments may require a form.

Read customer ratings on Trustpilot ↗
Provider-wide reviews, not a junior-product score.

App features are provider-described. We have not performed hands-on usability testing.
Provider product information ↗Non-affiliate link · no commission

Stocks & shares Junior ISA

Hargreaves Lansdown

Choose your investments

Annual account / management feeNo account charge.
Starting amount
£100 lump sum or £25/month
Manage the account
Website; provider app available. Junior-specific tasks not independently tested.
Access to money
Normally withdraw at 18.

Source checked 29 Oct 2026

Fees, family features & sources
Investment charges
Underlying investment charges may apply.
Dealing
No online dealing charge; other investment costs may apply.
Investment choice
Funds, shares, ETFs and ready-made investment options.
Family contributions
Family and friends can contribute.
Transfers
Transfers supported; check for lost benefits or outgoing charges.
Worth checking
Zero platform fees do not mean zero investment costs.

Read customer ratings on Trustpilot ↗
Provider-wide reviews, not a junior-product score.

App features are provider-described. We have not performed hands-on usability testing.
Provider product information ↗Non-affiliate link · no commission

Junior SIPP

Hargreaves Lansdown

Choose your investments

Annual account / management feeFunds: 0.35% first £250,000; 0.25% next £750,000; 0.10% next £1m; 0% above. Equities: 0.35%, capped at £150/year.
Starting amount
£100 lump sum or £25/month
Manage the account
Website and app with family account linking.
Access to money
Pension-age restrictions; control at 18.

Source checked 29 Oct 2026

Fees, family features & sources
Investment charges
Underlying investment charges may apply.
Dealing
One-off online trades: funds £1.95; shares £3.95. Monthly Direct Debit investing free.
Investment choice
Self-select investments or Ready-Made Pension Plan.
Family contributions
Family account linking; relatives can make contributions.
Transfers
Transfers supported; check for lost benefits or outgoing charges.
Worth checking
Zero platform fees do not mean zero investment costs.

Read customer ratings on Trustpilot ↗
Provider-wide reviews, not a junior-product score.

App features are provider-described. We have not performed hands-on usability testing.
Provider product information ↗Non-affiliate link · no commission

Cash Junior ISA

NS&I

Cash savings

Interest rate3.70% AER / tax-free, variable
Starting amount
£1.
Manage the account
Open and manage online only; Junior ISA app access not verified.
Access to money
Normally withdraw at 18.

Source checked 29 Oct 2026

Fees, family features & sources
Investment charges
Not applicable.
Dealing
Not applicable.
Investment choice
Cash deposit account; no investment selection.
Family contributions
Anyone can top up by UK bank transfer; standing orders supported.
Transfers
Junior ISA / Child Trust Fund transfers supported.
Worth checking
Variable interest, paid annually on 6 April. Inflation can reduce spending power.

Read customer ratings on Trustpilot ↗
Provider-wide reviews, not a junior-product score.

App features are provider-described. We have not performed hands-on usability testing.
Provider product information ↗Non-affiliate link · no commission

Cash Junior ISA

Skipton Building Society

Cash savings

Interest rate3.80% AER / tax-free, variable
Starting amount
£1 opening and operating balance.
Manage the account
Open and manage in branch or by post.
Access to money
Normally withdraw at 18.

Source checked 29 Oct 2026

Fees, family features & sources
Investment charges
Not applicable.
Dealing
Not applicable.
Investment choice
Cash deposit account; no investment selection.
Family contributions
Subsequent payments from £1; third-party arrangements need confirmation.
Transfers
Transfers from other Junior ISAs supported.
Worth checking
Variable interest; paid annually before the child’s birthday. £1 minimum to earn interest.

Customer-rating source not yet verified.

App features are provider-described. We have not performed hands-on usability testing.
Provider product information ↗Non-affiliate link · no commission

Stocks & shares Junior ISA

Wealthify

Managed portfolio

Annual account / management fee0.60% annual management fee.
Starting amount
£1,000 initial deposit.
Manage the account
Online dashboard and app; usability not independently tested.
Access to money
Normally withdraw at 18.

Source checked 29 Oct 2026

Fees, family features & sources
Investment charges
Approx. 0.14% Original / 0.46% Ethical investment costs, including spread.
Dealing
Investment dealing is managed within the plan; see fee breakdown.
Investment choice
Five investment styles; Original or Ethical managed plans.
Family contributions
Friends and family contribution invitations; contributor eligibility applies.
Transfers
Junior ISA / Child Trust Fund transfer; no Wealthify transfer charge.
Worth checking
App-store copy mentions a different minimum. Current product page and account FAQ both say £1,000.

Read customer ratings on Trustpilot ↗
Provider-wide reviews, not a junior-product score.

App features are provider-described. We have not performed hands-on usability testing.
Provider product information ↗Non-affiliate link · no commission

What a rate can—and can’t—tell you

Cash AER is an interest rate. Investment Junior ISAs and Junior SIPPs have no guaranteed investment return, so we do not put projected growth alongside cash rates as if they were equivalent. Account fees also exclude underlying investment charges unless explicitly stated.

Understand the different layers of fees →