Invest tax-efficiently for your child’s future

Invest with an Emma Junior ISA

Open a Junior Stocks & Shares ISA and invest up to £9,000 each tax year in 25+ funds from leading global providers. A simple, tax-efficient way to build your child's future.

Capital at risk.

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What is a Junior Stocks & Shares ISA?

A Junior Stocks & Shares ISA is a tax-efficient way to invest for your child's future. Invest up to £9,000 each tax year in the stock market, and any growth is sheltered from tax.
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The allowance resets every April, and you'll earn 3.00% AER interest on any uninvested cash. The account is held in your child's name and becomes theirs when they turn 18.
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Tax treatment depends on individual circumstances and may be subject to change in the future. Capital at risk.

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What is a Junior Stocks & Shares ISA?

A Junior Stocks & Shares ISA is a tax-efficient way to invest for your child's future. Invest up to £9,000 each tax year in the stock market, and any growth is sheltered from tax.

The allowance resets every April, and you'll earn 3.00% AER interest on any uninvested cash. The account is held in your child's name and becomes theirs when they turn 18.

Tax treatment depends on individual circumstances and may be subject to change in the future. Capital at risk.

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What else should I know about the Emma Junior ISA ?

Built for the long term

A Junior ISA is a locked account until your child turns 18. Once money is deposited, it cannot be withdrawn early..

When your child turns 18, the account becomes theirs and they can choose to withdraw or continue investing

Who can open an account

To open a Junior ISA, you must be aged 18 or over, live in the United Kingdom, and hold a valid UK bank account in your own name. Your child must be under 18 and a UK resident.

US citizens and residents of the Channel Islands are not eligible.

Only one Junior ISA of each type can be held per child at any time.

Tax information

Your child pays no Capital Gains or Income Tax on their returns. You can invest up to £9,000 per tax year across all their Junior ISAs.

Tax treatment depends on your personal circumstances and is subject tochange in the future.

Open your JISA

Explore funds and ETFs across global markets

Choose from ready-made funds created by investment professionals, explore themed funds, or diversify with ETFs covering the UK, US, Europe and emerging markets.

We offer a curated selection from leading providers including Fidelity, HSBC, Vanguard, Legal & General, VanEck, BlackRock and iShares.

Capital at risk.

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FSCS protection

Eligible investments may be protected by the Financial Services Compensation Scheme (FSCS) up to £85,000 per person, per firm if the firm fails and your assets cannot be returned.

FSCS protection does not cover losses from investment performance, or if you get back less than you originally invested.

SECCL custody

Emma works with SECCL to safeguard your investments.

Seccl Custody Limited is authorised and regulated by the Financial Conduct Authority and is wholly owned by Octopus Group.

Let professionals do the hard work for you

Invest in funds that focus on different parts of the world to spread risk and capture global opportunities.

Choose from a range of geographic funds that cover regions such as the UK, US, Europe, Asia, and emerging markets.

By investing across countries and regions, you can build a balanced portfolio that’s not tied to one economy.

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Let professionals do the hard work for you

Choose from a selection of ready-made portfolios designed and managed by experts.

Each is built around your goals and risk level, so you can start investing with confidence, without needing to pick individual funds.

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Explore themed funds

Choose from a range of themed funds that track specific sectors or investment themes — such as technology, healthcare, sustainability, commodities and more.

Each fund focuses on a particular area of the market, allowing you to invest in sectors that interest you or align with your preferences.

Themed funds can be more concentrated and may be more volatile than broader market funds. Make sure you understand the risks before investing.

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Explore themed funds

Choose from a range of themed funds that track specific sectors or investment themes — such as technology, healthcare, sustainability, commodities and more.

Each fund focuses on a particular area of the market, allowing you to invest in sectors that interest you or align with your preferences.

Themed funds can be more concentrated and may be more volatile than broader market funds. Make sure you understand the risks before investing.

Get started

Diversify with geographic funds

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Diversify with geographic funds

Invest in funds that focus on different parts of the world to spread risk and capture global opportunities.

Choose from a range of geographic funds that cover regions such as the UK, US, Europe, Asia, and emerging markets.

By investing across countries and regions, you can build a balanced portfolio that’s not tied to one economy.

Get started

Earn 3.00% interest on your cash

Make every penny work harder. With Emma, your uninvested cash doesn’t just sit idle, it earns 3.00% AER while you decide where to invest.

You can withdraw anytime, or move your money into funds whenever you’re ready.

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Stocks & shares ISA account fees

Our fees are simple and transparent. Your plan determines your annual AUM fee.

Plan

Emma Ultimate

Emma Pro

Emma Plus

Emma Basic

AUM fee

0.10%

0.20%

0.45%

0.60%

£0 trading charges (no fees on ETFs or fund buys/sells), fund provider charges (TER) are included in each ETF/fund’s price.

No hidden fees. Capital at risk.

Frequently asked questions

What is a Junior Stocks & Shares ISA?

A Junior Stocks and Shares ISA is a tax-efficient investment account for UK resident children under 18. It allows you to invest in assets such as ETFs and funds on your child's behalf, without paying UK income tax on dividends or capital gains tax on profits made within the account.Tax treatment depends on individual circumstances and may be subject to change in the future. Capital at risk.

How much can I invest in my Junior ISA?

You can invest up to £9,000 per tax year (6 April to 5 April) into your child's Junior ISA. This is the total Junior ISA allowance across all Junior ISAs your child holds. The allowance resets every 6 April. Any unused allowance does not roll over.

Can I withdraw money from the Junior ISA?

No. A Junior ISA is a locked account — money cannot be withdrawn until your child turns 18. When they turn 18, the account becomes theirs and they can choose to withdraw or continue investing.

What fees do I pay?

Emma charges a platform fee based on your plan:

Emma Ultimate: 0.10% AUM
Emma Pro: 0.20% AUM
Emma Plus: 0.45% AUM
Emma Basic: 0.60% AUM

There is no account opening fee and we do not charge a separate trading commission when you buy or sell investments. Funds and ETFs have their own ongoing charges set by the provider.

How do I fund my Junior ISA?

You can fund your child's Junior ISA using Open Banking or by transferring money from your Emma Wallet. Once funds arrive in the account, you can place an investment order.

How do withdrawals work?

Withdrawals are not permitted until your child turns 18. At that point, they will need to sell their investments first. Sale proceeds become available once the trade has settled, which can take several working days depending on the asset. Once available, they can withdraw to their linked bank account.

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