A Junior ISA for the whole family

Invest through our award-winning Junior Stocks & Shares ISA and build a better future for your kids.

Download App store
Download Google Play

When you invest, your money is at risk.

Illustration

Goals for every
occasion and every
child

Their first house. University fees. Or just a pot of money to hand over on their 18th birthday for them to manage as they please. We’re sure they’ll be sensible.

Set up goals for each of your children. Track your progress, contribute whenever you want and help it grow as your little one’s do.

Illustration

Invite family and friends to join in

And bring joy to gifting money. Each account comes with a unique link. Share it with family and friends and swap the endless toys for an investment gifted directly into their Junior ISA.

No paperwork, no hassle. Grandparents, Godparents, Aunts & Uncles can all invest for your kid’s future. With the bonus that it's into a tax free investment account.

Illustration

Celebrate milestones, cherish the moments

Gifting money doesn’t have to be cold or icky. With Nosso any one can leave a message or photo with their gift of money. Grandparents, Godparents and even Uncle Jack. No excuses for him to forget birthdays anymore.

Download App store
Download Google Play
When you invest your money is at risk. You might end up with more than you put in - or you might end up with less.
100% "would recommend"
4 out of 5 on Boring Money

What is a Junior ISA?

A Junior ISA is an account in your child’s name that allows you to save for them, without paying any tax. So no income tax (on the interest you earn from savings),dividends tax (on any dividends you receive from stocks & shares) and no capital gains tax (on any profit you make). The money belongs to your kid and so you can benefit from tax rules on child's savings. Win win.

4 things to know

Icon

Who can open a Junior ISA?

If your little one is under 16, it has to be a parent or a legal guardian. Once they turn 16, they can have a say in how it’s managed.

With Nosso, once the account is opened, you can invite a partner to manage it with you. Family and friends can also send contributions and start chipping into your child’s future.
Icon

The two types of Junior ISA

There are two types of Junior ISA accounts and you can only have one of each. A stocks and shares one invests your money in the stock market, so how much you get back might vary.

A Junior Cash ISA is more like a piggy bank. It keeps your money safe and usually pays a set amount of interest. These are usually provided by banks or building societies and work in a very similar way to savings accounts.

The stocks and shares Junior ISA tends to outperform cash savings over a long period of time but this isn’t guaranteed.
Icon

How much you can put in changes each year

This tax year, the limit’s £9,000. This can be split across a Junior cash ISA or a Junior stocks and shares ISA, so you might have £3k in one, and £6k in the other. If you don’t hit this junior ISA allowance, you can’t carry any of it over to the next tax year. Use it or lose it. With Nosso, anyone can contribute to this allowance (like grandparents), but not all providers do this.
Icon

The money is under lock and key until their 18th birthday

That means you can’t take out any money until the big day.

The Junior ISA will turn into an adult ISA in your not-so-little one’s name the second they turn 18. They can continue investing or withdraw – and spend – the money as they like. Fingers crossed for the former.

Don’t forget, when you invest your money is at your own risk. You might end up with more than you put in - or you might end up with less. And remember that what you’re taxed depends on your own personal situation, and that can change in the future.

Why choose a Nosso JISA account

Icon

Open an account in minutes, from anywhere

No queues, no branch visits. You can start investing for your child with our Junior Stocks and Shares ISA in minutes.
Icon

Award winning

We’ve been voted Boring Money’s Best Junior ISA provider and Best New Investment Platform 2022. Winning.
Icon

Invest together with friends and family

Uncle. Grandmother. Whoever you want. You can invite anyone to gift investments with a tap of a finger. Having the account online makes it so easy.
Icon

You’re in control

Pick an investment theme, choose a risk level that works for you. Monitor their goals progress and top-up when you want. In this relationship, you wear the pants.
Icon

Build memories alongside their money

Take a snap. Write a message. And create a lasting memory with every contribution. Ready to hand over when your little one is all grown up. Or mostly grown up.

Unsure which account is right for you?
We can help.

From Junior ISAs to Junior SIPPs. Learn about the different options available to you and all the factors you should think about before making any decisions.

This guide is intended to offer you financial education by showing you the available options in today’s market. It’s not personal financial advice on what suits your circumstances best. If you’re looking for that, you should seek advice from a qualified financial adviser.

Peace of mind with Nosso

Icon

We’re transparent

No hidden fees. No complicated pricing. We charge a flat fee (a “platform fee”) of 0.50% to manage your investments. There’s then an additional 0.25%-0.30%, depending on what investments you pick (paid to BlackRock). That’s an annual fee of around £8 if you invest £1,000 with us. And if ever you do want to leave (sad face), there are no exit fees.

Learn more about our pricing
Arrow
Icon

We’re protected

Up to £85,000 of your money may also be covered by the UK Financial Services Compensation Scheme (FSCS) should WealthKernel (our Principal Firm) become insolvent.

Learn about our investments with Blackrock
Arrow
Icon

We’re parents

We like to keep things in the family. We’re an app built by parents for parents. So, we understand your niggles and your ambitions when it comes to your little ones. And that you want to save money for them. And we understand just how priceless peace of mind is. Happy days.

Meet the team
Arrow
happy people smiling circularblue background lock illustration
LogoLogoLogo

Frequently asked questions

What is a Junior ISA?
Arrow
Who is a Junior ISA for?
Arrow
Is a Nosso Junior ISA a Stocks & Shares JISA or a Cash JISA?
Arrow
Who can contribute to my kid's Junior ISA?
Arrow
Can my child have more than one Junior ISA?
Arrow
How much can I invest in a Junior ISA?
Arrow
Can I transfer a Junior ISA or Child trust fund?
Arrow
What happens to the ISA when my child reaches 18?
Arrow