Start investing with a lump sum of £50 or a monthly contribution from £10
Choose from 5 investment options based on the risk level you're happy with
The money is managed by Coutts investment experts
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Over longer periods of time (five years or more), investments such as stocks, shares and funds have the potential to give you higher returns compared to cash savings. But the value of investments can fall as well as rise. There is a chance you may get back less than you put in. Eligibility criteria, fees and charges apply.
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Money invested in a Junior ISA belongs to the child. It can only be withdrawn by them when they turn 18.
Your next chance to win £10,000 or one of over 100 other cash prizes
- Set up a monthly investment of £50 into any Royal Bank Invest account; or
- Increase your existing monthly investment by £50
For a chance to win first prize of £10,000, 10 prizes of £1,000 and 100 of £100. Enter by 5pm on 11th January 2026.
T&Cs, fees and charges apply.
What is a Junior ISA?
A Junior Stocks and Shares ISA is an account that lets you invest money for a child under 18. The account is free of UK Income and Capital Gains Tax.
With a Royal Bank of Scotland Junior Stocks and Shares ISA, you can choose to invest for your child in one of five ready-made funds. These investments could give a better return than cash over the long term. But they can go down in value as well as up.
The money in the ISA belongs to the child, but they can't take it out until they turn 18. The limit for contributions is £9,000 per tax year.
Tax reliefs referred to are those applied under current legislation, which may change. The availability and value of any tax relief will depend on your individual circumstances.
Why invest with us?
How to open and fund a Junior ISA
First, decide what kind of risk you want to take. We have five ready-made funds you can invest in, ranging from low risk to high risk.
Then, choose how you would like to open the Junior Stocks and Shares ISA account, with either:
- at least a £50 deposit and with the flexibility to choose when and how you top up
- no initial deposit and with a standing order of £10 or more each month
Your investments are protected
Eligible investments with us are protected up to a total of £85,000 by The Financial Services Compensation Scheme (FSCS). This means if Royal Bank of Scotland were to cease trading, your money is protected.
This doesn’t include losses made as a result of investing.
Junior ISA investment forecast calculator
Use our calculator below to see how much your child's money could grow and get an idea of how much a monthly contribution can affect your investment.
1. Five ready-made funds
Find out about our five funds in more detail below.
2. Have you invested before?
Amount invested
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Likely return
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If your investment performs worse
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If your investment performs better
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These forecasts show what you could get back in different market conditions and aren’t a guarantee of a set return. The value of investments can fall as well as rise, and you may not get back the full amount you invest. More about your forecast.
Understanding investing
What’s the difference between saving and investing, when is it a good time to invest and other burning questions are answered in our investment insights.
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Learn more about ISAs
For all the ins and outs about ISAs, including how they work, tax thresholds, and what to consider before investing, have a look at our ISA guide.
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Turning 18? Find out what happens to your Junior ISA
Before you turn 18, we’ll contact you to say that your Junior ISA will mature on your birthday. This means it will change to an adult Stocks and Shares ISA and you’ll be able to access the money.
To help you decide what you’d like to do, this page explains the account type you’ll have from your 18th birthday, the options you have, and next steps.
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