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Investments
Junior Stocks & Shares ISA
Make it easier to keep building towards their future - with regular contributions, family gifting and no Monzo Investments fees, all managed in the app.
Just like any investment, the value of their investments could go up or down and you could get back less than you put in.
Both you (the parent/guardian) and your child must be UK residents. You need a Monzo current account to use Monzo Investments. 18+. Ts&Cs apply. You won’t pay Monzo Investments fees, just ongoing fund management costs.
The App Store, Google Play Store and Trustpilot ratings are correct as of 10 Aug, 2026.
What’s a Junior Stocks & Shares ISA?
It's a tax-efficient way to invest for your child’s future, using an ISA allowance that’s separate from your own.
You can put in up to £9,000 each tax year, giving their money the chance to grow over the long term. Any returns are free from UK Income Tax and Capital Gains Tax.
The money belongs to your child and is locked away until they turn 18 - helping keep it set aside for their future.
Why open a Junior ISA with Monzo?
From regular top-ups to birthday money, make it easy for friends and family to contribute towards their future.
Their future, built together
Friends and family can add money with a shared gifting link. So birthday money, presents from grandparents and regular contributions can all grow together.
Keep the momentum going
Add money any time, set up scheduled contributions, and send roundups directly from your spending, so you can keep building their Junior ISA in a way that works for you.
See their future grow
Your child’s Junior ISA lives in the app alongside the rest of your money. So you can keep track of the balance, contributions, investments, performance and how much of the yearly tax-free allowance is left.
Big gifts. Little gifts. One future fund.
Start with a little, build it up to a lot. Bring friends and family in, have the experts handle the investments. And with no Monzo Investments fees, there's more for your child in the long run.
More ways to contribute
Share a gifting link so friends and family can add money too. Birthday money, gifts from grandparents and your own contributions can all come together.
Let experts do the hard work
We offer investments from BlackRock’s iShares range and beyond. They're one of the world’s largest fund managers, so their money’s in expert hands.
No Monzo Investments fees
You only need to pay fund management costs which means more money set aside for your child.
Handpick how their money’s invested
Choose from our range of investments and make changes any time.
Careful
BlackRock MyMap 3 Select ESG
You’re happy with potentially smaller returns for less risk. About 80% of money in this fund ends up in bonds, and about 20% in shares.
Balanced
BlackRock MyMap 5 Select ESG
You're aiming for a higher return than Careful, with a medium level of risk. Roughly 34% of money in here ends up in bonds, and about 66% in shares.
Adventurous
BlackRock MyMap 8 Select ESG
You’re happy taking more risk if it means your returns could be higher. 100% of money in this fund ends up in shares.
American companies
iShares S&P 500 UCITS ETF
Invest in the biggest businesses listed on US stock exchanges and put your money into companies like Walmart, Netflix and Coca-Cola.
British companies
iShares Core FTSE 100 UCITS ETF Accumulating GBP
Invests in the 100 largest companies on the London Stock Exchange. Think big businesses traded on the LSE like Tesco, Vodafone and Unilever.
European companies
iShares Core MSCI Europe UCITS ETF Accumulating EUR
Invests across many companies which are traded on European stock exchanges, including companies in industries like fashion, food and tech. Think big companies like Spotify, Nestle and Hermes.
Global companies
iShares Core MSCI World UCITS ETF
Invests in the world's biggest companies across 23 countries, global stock markets and all sorts of industries. From Apple to Zurich Insurance, this is a good choice if you want a diverse range of investments.
Emerging markets
iShares MSCI EM UCITS ETF Accumulating GBP
Emerging markets means countries like China, Brazil, India and South Korea. You'll be tapping into exciting markets and investing in growing businesses across industries like finance, tech and energy.
Careful
BlackRock MyMap 3 Select ESG
You’re happy with potentially smaller returns for less risk. About 80% of money in this fund ends up in bonds, and about 20% in shares.
Balanced
BlackRock MyMap 5 Select ESG
You're aiming for a higher return than Careful, with a medium level of risk. Roughly 34% of money in here ends up in bonds, and about 66% in shares.
Adventurous
BlackRock MyMap 8 Select ESG
You’re happy taking more risk if it means your returns could be higher. 100% of money in this fund ends up in shares.
American companies
iShares S&P 500 UCITS ETF
Invest in the biggest businesses listed on US stock exchanges and put your money into companies like Walmart, Netflix and Coca-Cola.
British companies
iShares Core FTSE 100 UCITS ETF Accumulating GBP
Invests in the 100 largest companies on the London Stock Exchange. Think big businesses traded on the LSE like Tesco, Vodafone and Unilever.
European companies
iShares Core MSCI Europe UCITS ETF Accumulating EUR
Invests across many companies which are traded on European stock exchanges, including companies in industries like fashion, food and tech. Think big companies like Spotify, Nestle and Hermes.
Global companies
iShares Core MSCI World UCITS ETF
Invests in the world's biggest companies across 23 countries, global stock markets and all sorts of industries. From Apple to Zurich Insurance, this is a good choice if you want a diverse range of investments.
Emerging markets
iShares MSCI EM UCITS ETF Accumulating GBP
Emerging markets means countries like China, Brazil, India and South Korea. You'll be tapping into exciting markets and investing in growing businesses across industries like finance, tech and energy.
Blockchain creators
iShares Blockchain Technology UCITS ETF
Invest in businesses that are researching and building the tech behind blockchain and crypto. Think companies like Coinbase, Nvidia and PayPal.
Tech focused
iShares NASDAQ 100 UCITS ETF
This fund covers major industries - including big tech, retail and telecoms. Your money will be invested in some of the world's biggest companies, like Apple, T-Mobile and Microsoft.
Automation and robotics
iShares Automation & Robotics UCITS ETF
A high risk fund, this invests in the companies developing new technologies, like AI and robots. Your money will go towards the tech that's changing how we do things at work and at home.
Healthcare innovation
iShares Healthcare Innovations UCITS ETF
This fund invests in the future of healthcare. Your money will go towards companies developing new treatments, medicines and the breakthroughs that could make a real difference.
Metaverse
iShares Metaverse UCITS ETF
From VR to gaming to online shopping, the metaverse covers all things digital. This fund invests in companies like Nintendo, Shopify and Amazon.
Clean energy
iShares Global Clean Energy Transition UCITS ETF
Invest in companies working on clean energy tech (like solar power and wind farms) and mining the minerals used to make batteries.
Short-term bonds
iShares £ Ultrashort Bond UCITS ETF GBP
Invest in a wide range of short-dated bonds issued by companies and institutions. These bonds mature quickly so they’re generally lower risk than shares and long-term bonds. Their value tends to be steadier, and returns are more closely linked to interest rates than stock markets.
Gold
iShares Physical Gold ETC
Invest in physical gold held securely in vaults.
Gold’s value is affected by demand, inflation and the markets - it’s different from shares and bonds but its price can be more volatile over shorter periods. It can be used as a way to diversify your portfolio.
Silver
iShares Physical Silver ETC
Invest in physical silver held securely in vaults.
Silver’s value is affected by demand, inflation and the markets - it’s different from shares and bonds but its price can be more volatile over shorter periods. It can be used as a way to diversify your portfolio.
FSCS protected
We’re a fully regulated UK bank and eligible investments are protected by the FSCS up to £85,000 per eligible person per firm. This doesn’t cover losses incurred due to investment performance.
Already have a Junior ISA elsewhere?
Bring an existing Junior Cash ISA or Stocks & Shares ISA over to Monzo. We’ll transfer it without withdrawing the money, so it keeps its tax-free status. Then you can keep track of their investments alongside the rest of your money in the app.
Just note that Monzo only offers a Junior Stocks & Shares ISA and doesn’t offer a Junior Cash ISA.
Ready to start investing for their future?
Give your child a head start. Open a Junior ISA with Monzo today.
Step 1
Open a free Monzo current account
It takes just 10 minutes to apply, and comes with innovative features to help you manage your money.
Step 2
Open or transfer a Junior ISA
Once that’s sorted, open the Monzo app and head to the ‘Grow’ area, tap ‘Start investing’ then choose to open or transfer a Junior ISA.
Step 3
Choose their investments
Choose from our range of investments and make changes over time, depending on what feels right for their future.
Step 4
Keep the momentum going
Add money when you like, set up regular contributions, and let friends and family chip in too - so building their Junior ISA doesn’t all depend on you.
Time to go full Monzo
Use the Current Account Switch Service to close your main current account and move everything over to us. Once you’ve opened an account, tap the '+' sign in the app and find 'Switch to Monzo’.
We move your money, Direct Debits and standing orders over
We redirect incoming payments (including your salary)
We close your other bank account
You choose a switch date and we'll do the rest in 7 working days
Questions? We’ve got answers.
What is a Junior ISA?
A Junior ISA is a tax-free account for children under 18. It lets you save or invest for their future without paying UK tax on any interest, investment growth or dividends.
The money belongs to the child, but it’s managed by a parent or guardian until they’re old enough to take control. They can withdraw the money once they turn 18, no one else can touch it until then.
A Junior Cash ISA holds money as cash and pays interest, while a Junior Stocks & Shares ISA puts the money into investments. Investing gives the money the potential to grow more over the long term, but its value can go down as well as up, so your child could get back less than was put in. With a Cash ISA, the money doesn't rise and fall with the stock market.
Monzo only offers a Junior Stocks & Shares ISA and does not offer a Junior Cash ISA.
When can I set up a Junior ISA for my child?
If you’re a parent or guardian you can open a Junior ISA for your child while they're under 18 as long as they live in the UK and don’t have a Child Trust Fund.
Monzoʼs Stocks & Shares Junior ISA is available for children under the age of 16.
How do I open a Junior ISA?
You’ll need to have a Monzo current account to be able to open a Junior ISA. You can apply for a Junior ISA for your child directly through the app, and we’ll guide you through it at each step. You'll just need to share some details about yourself and your child, and confirm that you have parental responsibility for them.
If you have more than one child, you can open a separate Junior ISA for each of them.
How many Junior ISAs can my child have?
A child can have up to two Junior ISAs at a time: one Junior Cash ISA and one Junior Stocks & Shares ISA.
If your child already has a Junior Stocks & Shares ISA with another provider, you can’t open a second one with Monzo. You’ll need to transfer their existing Junior Stocks & Shares ISA to us instead – and we’ll help you through the process.
What’s the maximum investment limit for Junior ISAs per tax year?
You can currently add up to £9,000 to a child's Junior ISAs each tax year. The tax year runs from 6 April to 5 April.
If the child has both a Junior Cash ISA and a Junior Stocks & Shares ISA, the £9,000 limit is shared across both accounts.
Can other family members or friends add money into the Junior ISA?
Yes. Anyone can add money to a Junior ISA, so grandparents, other family members and friends can all contribute. They can use your unique gifting link and add a personal note for your child to see later on, or make a bank transfer.
All contributions count towards the child's £9,000 annual Junior ISA allowance, no matter who adds the money. And once money has been added, it belongs to the child.
Can I withdraw money from the account?
No. Money put into a Junior ISA belongs to the child and is locked away until they turn 18. That means parents, family and friends can't withdraw money they've contributed later. There are only limited exceptions, such as if the child is terminally ill. Find out more on the gov.uk website.
Can you access Junior ISA funds after turning 18?
Yes. When the child turns 18, their Junior ISA automatically becomes an adult ISA and they'll be able to access the money themselves.
How much could a Junior ISA be worth after 18 years if I put in £150 every month?
If you put £150 a month into a Junior ISA for 18 years, you’d pay in £32,400 altogether. Based on our projections for the Adventurous fund, it could be worth £54,900 after 18 years on average, with a range of £33,300 to £76,600. We've not shown fees but they'll come out of your returns.
Investment projections are based on the past performance of assets similar to those held within the Adventurous fund. They don't reliably show how your investments will perform in the future.