Best Childrens Savings Accounts

Compare children's savings

To start your kids off on the right foot it is best to shop around for the best chiildren's savings accounts on the market. See below for our selection of the best children's savings accounts and investment ideas:

The best children's savings account for your child will depend on your requirements - they come in all shapes and sizes, including:  
  • Children's Bonus Bonds from NS&I: Tax-free interest with an additional bonus if the money remains untouched for five years.
  • Regular Savings - Watch your child's savings grow
  • Junior Individual Savings Accounts (JISAs):  Open one on behalf of your child now until they manage it themselves at age 16
  • Child investments - Compare some of the latest investment opportunities for children's savings

To find out more about investing in your child's financial future, see the table for the latest deals. Compare some of the best children's savings accounts around and apply online.

Junior ISA Selection
ProviderJunior ISA ProviderRegular SavingsInvestment OptionsOnline ValuationsMore Info
Scottish Friendly My Select Junior ISAyesA range of assets including UK and global shares, bonds and cashyesMore Info >
  • Invest up to £4080 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
One Family Junior ISAyesApply online and set up a direct debit of £20 or more and receive a £30 Amazon voucher. T&C’s apply, see OneFamily website. The OneFamily Junior ISA helps you to invest for your child’s future. It could help towards going to uni, driving lessons or perhaps helping to pay for a flat of their own. yesMore Info >
  • Award winning: Winner of the Moneyfacts Award for Best Junior ISA Provider (Awarded to Family Investments in 2014. OneFamily was established following a merger between Family Investments and Engage Mutual)
  • You choose how much you want to pay in, and when. From £10 to £340 a month up to £4,080 in the 2015/2016 tax year.
  • Available for children under 18
  • Open your child’s Junior ISA online and set up a Direct Debit and as a thank you OneFamily will send you up to £30 in vouchers (terms and conditions apply – please see OneFamily website).
  • Annual management charge 1.5% deducted directly from the fund's income.
  • Because it invests in stocks and shares, the Junior ISA's value can fall as well as rise, so your child could get back less than has been paid in.
Junior Stocks and Shares ISAyesFREE Children's ISA Guide. Choose from over 2,500 unit trusts and OEICs from leading fund managers. Invest from £25 per month or lump sums of £100.yesMore Info >
  • Same tax benefits as an adult ISA - 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 £100 to £4,080 or start a monthly direct debit from just £25 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. 
Charles Stanley Stocks & Shares Junior ISAyesCharles Stanley Direct offers a Stocks and Shares Junior ISA with no initial charges or additional annual fees. Choose from a range of investments including shares, funds, gilts, bonds, investment trusts and ETFs.yesMore Info >
  • Save tax – shelter up to £4,080 per annum and pay no further on capital gains or on income from your investments.
  • Invest from £50 a month, or a lump sum from £500, or a mixture of both
  • Flexibility – choose from a wide range of investments to create a portfolio that suits you.
  • Transfer in Child Trust Funds or existing Junior ISAs
  • Automatic conversion to full ISA at age 18.
  • 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