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.
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.
Provider sources: product ↗ · fees ↗ · digital ↗ · family ↗
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.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.
Provider sources: product ↗ · fees ↗ · digital ↗ · family ↗
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.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.
Provider sources: product ↗ · fees ↗ · terms ↗
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.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.
Provider sources: product ↗ · fees ↗ · minimum ↗ · fundDealing ↗
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.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.
Provider sources: product ↗ · fees ↗ · minimum ↗ · fundDealing ↗
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.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.
Provider sources: product ↗ · fees ↗ · digital ↗ · family ↗
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.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.
Provider sources: product ↗ · fees ↗ · digital ↗ · family ↗
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.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.
Provider sources: product ↗ · rate ↗
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.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.
Provider sources: product ↗ · rate ↗
Customer-rating source not yet verified.
App features are provider-described. We have not performed hands-on usability testing.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.
Provider sources: product ↗ · fees ↗ · minimum ↗ · family ↗ · transfer ↗
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.