Junior ISA

Brewin Portfolio Service

Our Junior Investment ISA lets you save up to £9,000 per tax year towards your child’s future, with no income or capital gains tax due on the returns.

Our Junior ISA at a glance

A Junior Investment ISA is an individual savings account that lets you invest in the stock market on behalf of a child.

Saving for their future

Any money in the account belongs to the child, but they can’t access it until they turn 18.

Parental control

The child’s parent or guardian will be named Registered Contact and receive all statements and correspondence, and can decide which portfolio the money is invested in.

Anyone can contribute

A Junior ISA can only be opened by the child’s parent or guardian, but anyone can pay into it.

Tax efficient

Invest up to £9,000 per tax year with no capital gains or income tax due on returns.

Is this right for me?

  • You’re comfortable with investing for the long term (five years or more) as you know investments may go up and down in the short term
  • You’re comfortable locking the money away until the child is 18, after which they will have full control of the funds
  • You have parental responsibility of the child for whom you are opening the account

Why Brewin Portfolio Service?


We have over 250 years’ investing experience, taking a long-term view of investment and client relationships.

Simple and competitive fees

Our simple fee structure gives you access to our expert investment thinking at a competitive price.

Easy access

Keep track of your portfolios at any time via our app or online.

A human touch

We know how important the human touch is, so you’ll always speak directly to a member of the team. Our UK-based experts are on hand when you need them to answer any questions you may have.

Call us on 0333 207 9003
Monday to Friday 8am to 6pm
Saturday 8am to 12pm

Email us at customer.services@brewin.co.uk

Write to us at:
Brewin Portfolio Service
Sixth Floor, Atria One
144 Morrison Street
Edinburgh, EH3 8BR

Frequently asked questions

BPS is an execution only, non-advice service.

We provide pre-determined portfolios which are designed by our in-house experts. We take on the hard work of picking what assets are in these portfolios, so you don’t have to. You just need to choose your investment style and risk category – we will do the rest.

A Junior ISA can only be opened for a child under 18 by their parent or guardian. All monies within the account belong to the child.

The minimum investment amount is £500.

Yes, you can transfer Child Trust Funds (CTFs) and Junior ISAs in the child’s named into a BPS Junior ISA. Simply complete a JISA/CTF transfer form.

We will request that the account is fully liquidated and that the proceeds are sent to us. All funds will retain their tax-free status. Please note that your current provider may charge you for this request.

No. The investment is exposed to risk and the value of the underlying stock market investments can fall as well as rise.

No, as BPS utilises pre-determined portfolios, we take on all the hard work of buying and selling individual assets so all you need to decide is what level of risk and investment style you want. Our friendly, UK-based BPS Customer Service team is here to help answer any questions you have about the service or portfolios we offer.

No. The money cannot be withdrawn until the child turns 18.

You can open a maximum of two Junior ISAs (one cash Junior ISA and one investment Junior ISA). There is an annual allowance for Junior ISA contributions which is £9,000 per tax year. This allowance can be split between the two types of Junior ISA. Please note that RBC Brewin Dophin does not provide cash Junior ISAs.

Investing designed for you

This does not constitute tax or legal advice. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.