Top picks

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Lifetime ISAs are a great way to save up for either your first home or towards your retirement as you get a 25% boost from the government. Here are some of the top-paying accounts at the moment.

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Best Junior Stocks & Shares ISAs
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Customer rating 4.2/5
Editor's comment
You need to have the Investor plan to open a Junior ISA, but this covers as many Junior ISAs as you need, so you can have as many open as you have children.
  • Annual fee
    £11.99 per month (Investor plan)
  • Investment styles
    DIY or ready-made
  • Minimum deposit
    £25 per month
  • FSCS Protected? Yes
  • Transfer in existing ISA? Yes
  • Interest on uninvested cash 1.51%
  • Trading fee £3.99
  • Foreign exchange fee 1.50%
  • Fund fees If you invest in funds, you'll have to pay fund fees between 0.03% and 1.5%
  • Note on fees You need to have the Investor plan to open a Junior ISA, but this covers as many Junior ISAs as you need, so you can have as many open as you have children.
Our top pick
Customer rating 4.6/5
  • Annual fee
    0%
  • Investment styles
    DIY or ready-made
  • Minimum deposit
    £100 or £25 per month
  • FSCS Protected? Yes
  • Transfer in existing ISAs? Yes
  • Fund fees If you invest in ready-made portfolios or funds, you'll still need to pay fund fees depending on which portfolio you choose.
  • Interest on uninvested cash 2.53%
  • Ready-made portfolios available 4 risk-based portfolios

Vanguard Junior Stocks & Shares ISA

Customer rating 4.6/5
  • Annual fee
    0.15% (max £375 per year)
  • Investment styles
    DIY or ready-made
  • Minimum deposit
    £100 per month or £500
Sells its own funds only
  • FSCS Protected? Yes
  • Transfer in existing ISA? Yes
  • Interest on uninvested cash 2.35%
  • Fund fees When you invest in funds you'll also have to pay fund fees between 0.06% and 0.79%
Customer rating 4.4/5
  • Annual fee
    0.25%
  • Investment styles
    DIY or ready-made
  • Minimum deposit
    £25 per month or £500
  • FSCS Protected? Yes
  • Transfer in existing ISA? Yes
  • Interest on uninvested cash 2.07% up to £10,000
  • Trading fee Shares - £5, Funds - £1.50
  • Foreign exchange fee 0.75%
  • Fund fees If you invest in funds, you'll have to pay fund fees between 0.04% and 1.16%

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