Bank of Scotland Children’s Savings Accounts

Bank of Scotland children’s savings accounts are a great way to start saving from a young age. Learning how to make the most of your money from a young age will stand you in good stead for the future. Whatever you are saving for, make your money work harder with Bank of Scotland children’s savings accounts. Compare a range of investment opportunities for children in the table below:

Junior ISA Selection
ProviderJunior ISA ProviderRegular SavingsInvestment OptionsOnline ValuationsMore Info
Family Investments Junior ISAyesInvest in worldwide stocks and shares and fixed interest investments. Receive a free Boots Voucher when you set up a Direct Debit online (terms and conditions apply)yesMore Info >
  • Invest up to £4000 per child, per year 
  • Invest from as little as £10 a month
  • Available for children under 18
  • Free Boots voucher when you apply and set up a Direct Debit of £10 or more (please see terms and conditions for further details)
  • Winner of the 2012 Moneyfacts Award for Best Junior ISA Provider 
  • Avaliable for children who did not qualify fro a Child Trust Fund account
  • Annual management charge 1.5%
  • The value of investments and any income can fall, so the Junior ISA could return less than you invest
  • Returns on investment funds are not guaranteed
Junior Stocks and Shares ISAyesChoose from over 2,500 unit trusts and OEICs from leading fund managers. Invest from £50 per month or lump sums of £500.yesMore Info >
  • Same tax benefits as an adult NISA - no capital gains tax, and no further tax to pay on income.
  • Anyone can contribute - useful for birthday and Christmas gifts.
  • Withdrawals possible from age 18.
  • Open with a lump sum from £500 to £4,000 or start a monthly direct debit from just £50 per month.
  • Free mobile app to deal shares, access prices, indices, news and research.
  • The value of investments, and any income from them, can fall as well as rise so you could get back less than you invest. 
  •  If you’re unsure about the suitability, we recommend you ask for independent advice.
  • Tax rules can change and the reliefs depend on your child's personal circumstances. 
Fidelity Junior ISAyesOver 1200 Funds from over 70 Investment CompaniesyesMore Info >
  • Invest from £500 to £4000 pa per child
  • High Quality shortlist of leading UK Funds to choose from
  • Cash Options available
  • Fidelity are a leading UK ISA provider with over £34 billion under management
  • The value of investments and any income can fall, so the Junior ISA could return less than you invest
  • Returns on investment funds are not guaranteed
Alliance Trust Junior ISAyesOver 1,600 Funds from over 45 UK Fund ManagersyesMore Info >
  • Invest up to £4000 a year per child
  • Over 1,500 funds from over 40 UK fund managers
  • Winner Best Stocks and Shares ISA What Investment Awards 2007, 2008, 2009, 2010 and 2011
  • Available for children under 18, who didn't qualify for a Child Trust Fund
  • High quality shortlist of leading UK funds to choose from
  • Over 21,000 international equities from 21 foreign exchanges across the globe.
  • Returns on investment funds are not guaranteed
  • Quarterly administration fee £10 + VAT - A full list of applicable charges is available via the Alliance Trust website.
  • Investments can go down as well as up. You may get back less than you originally invested.
  • Tax rules may change in the future and taxation will depend on your personal circumstances.
  • Alliance Trust Savings does not give advice.
Shepherds Friendly Junior ISAyesA range of assets including UK and global shares, bonds and cashyesMore Info >
  • Invest up to £4000 pa per child
  • Invest from only £10 a month, or a lump sum from just £100 or a mixture of both
  • Available for children under 18, who do not already have a Child Trust Fund
  • Available for Junior cash ISA holders
  • The value of investments and any income can fall, so the Junior ISA could return less than you invest
  • Returns on investment funds are not guaranteed
Sippdeal Junior ISAyesA range of investment opportunities, including all the FSTE 350 companies.yesMore Info >
  • Invest either regularly or at any time up to £4000 pa per child
  • No minimum level of regular monthly subscriptions
  • Over 2,000 funds across UK and more than 20 overseas markets
  • The value of investments and any income can fall, so the Junior ISA could return less than you invest
  • Returns on investment funds are not guaranteed
Scottish Friendly My Select Junior ISAyesA range of assets including UK and global shares, bonds and cashyesMore Info >
  • Invest up to £4000 pa per child
  • Invest from only £10 a month, or a lump sum from just £50, or a mixture of both
  • Raise, lower, or stop and restart your payments any time you like
  • Available for children under 16, who didn't qualify for a Child Trust Fund
  • Available for Junior cash ISA holders
  • The value of investments and any income can fall, so the Junior ISA could return less than you invest
  • Returns on investment funds are not guaranteed
Some of the advantages of Bank of Scotland children’s savings accounts include:
  • Choose between a regular monthly savings account or a pocket money savings account
  • Open from as little as £1
  • Free gifts
  • Exclusive to under 16s

Award winning Bank of Scotland children’s savings accounts also offer high interest rates.

 Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested.

Investments in Stocks & Shares ISAs do not contain the same degree of capital security as investments in deposits. Stocks and shares ISAs are designed as medium to long term investments of, for example, five years or more. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.