Royal Bank Invest Junior ISA

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You must be aged 18 - 84 and a UK resident for tax purposes. The Royal Bank Invest Junior ISA is a Stocks and Shares Junior ISA. 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.

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.

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What is a Junior ISA?

A Junior ISA could be a fantastic way to ensure your child has a great start in life. Start investing little and often to build for their future. Choose from five ready-made funds managed by Coutts investment managers.

A Stocks and Share Junior ISA is a tax-efficient investment account which you can pay money into for your child. The money in the Junior ISA belongs to the child and cannot be returned. Until the child's 18th birthday, no withdrawals can be made. When the child turns 18, they will be able to access the money in the Junior ISA.

How many Junior ISAs can you have?

There are two types of Junior ISAs, cash and stocks and shares.

You can pay into both types in the same year, but you can not exceed the overall Junior ISA Allowance and your child can only have one of each type. For the current tax year, the allowance is £9,000.

Why choose Junior ISA?

A Junior ISA might be the right investment for you if you are looking for a tax-efficient way to save for your child. Here are some of the benefits and things you should consider about Junior ISAs:

No UK Income or Capital Gains Tax to be paid.
The Junior ISA allowance is £9,000 per child for the current tax year.
Invest an initial lump sum from £50, or set up a regular monthly contribution from just £10.
Top up any time from £10.

Who can open a Junior ISA?

To open a Royal Bank Invest Junior ISA you must:

Have parental responsibility for a child who is aged 13 and under and are a resident in the UK.
Be aged 18 or over.
Open the account in the name of your child, however they won’t be able to make any withdrawals until they’re 18.

The child must not already hold a Child Trust Fund or another Stocks and Shares Junior ISA or, if they do, this must be transferred to a Royal Bank Junior ISA.

If your child already holds a Junior ISA with us before October 2019, you can find out about options available to you here.

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.

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How much does it cost to invest with us?

Your fees will be 0.55% of your investment or less. That’s 55p for every £100 of your investments. This 55p covers the following:

Platform fee

The maximum you’ll pay is 0.15%. That’s 15p for every £100 of your investments.

This covers the cost of admin and online access to your Royal Bank Invest account.

We take this payment at the end of every quarter (that’s March, June, September and December).

Fund fee

The maximum you’ll pay is 0.40%. That’s 40p for every £100 of your investments.

This covers the cost of managing your investment.

The fund fee is taken directly from the fund by the fund manager. It's made up of an annual management charge averaged out over the year and taken on a daily basis.

Transaction costs

There are also costs for buying and selling within your investment - these are called transaction costs. Based on actual past costs, the highest costs for any of the available funds will be 0.07% of the value of the fund each year. These costs will be taken directly from the fund.

Frequently asked questions

Can money be withdrawn from the Royal Bank Invest Junior ISA?

No. Money paid into the Royal Bank Invest Junior ISA is put away until the child turns 18. No withdrawals can be made until the child's 18th birthday (other than in exceptional circumstances, for example, if the child is terminally ill and you make a request to HMRC to access the money in the Junior ISA). We will contact the child before their 18th birthday to set out the options available to them. When the child reaches 18, they can access the account and they may withdraw the money or leave it invested and allow the account to change to an adult ISA.

What are the funds to select from?

There are five Personal Portfolio Funds to choose from.

They are managed by the experts at Coutts & Co and invest in a range of other funds from leading investment managers to help spread the risk.

How is my Royal Bank Invest Junior ISA protected?

Your investments would be protected even if Royal Bank failed. The underlying assets within each of the Personal Portfolio Funds available through Royal Bank Invest Junior ISA are held separately from Royal Bank by an independent company called a depositary, which is authorised by the Prudential Regulation Authority (PRA) and dual-regulated by the PRA and Financial Conduct Authority.

This company, the Bank of New York Mellon (International) London Branch, keeps the Personal Portfolio Funds’ underlying assets safe and holds them separately from its own.

Additionally, the Personal Portfolio Funds are based in the UK and so are covered by the UK Financial Services Compensation Scheme (FSCS), up to a maximum of £85,000 per person.

How can I top up my child’s Royal Bank Invest Junior ISA once it has opened?

Can I transfer money from the Royal Bank Invest Junior ISA to my own bank account?

No. All money in the Royal Bank Invest Junior ISA is a gift to the child and cannot be returned. You are unable to withdraw any money or investments from the Royal Bank Invest Junior ISA (other than in exceptional circumstances under law).

Where will my money be invested?

The five ready-made investment funds available through Royal Bank Invest are well diversified. They invest around the world and in different sectors. You can find out where your money will be invested by checking the latest available fund factsheets.

You can visit our Fund Performance page to find out more information on how the five ready-made investment funds have performed in the past.

Past performance is not an indicator of future performance and should not be relied on as such.

How it works

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Log in and explore your options, look ahead to see how your investment could perform.
Complete your investment
Choose the amount you'd like to invest and the fund to match your investment style.
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Coutts investment managers will invest your funds. Log back in at any time to check your investment and top up.

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We regularly update our articles depending on what’s happening in the market so check back for future updates.

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