Wrap Junior ISA

Only a parent or legal guardian of the Junior can open a Wrap Junior ISA. The parent or legal guardian will become the Registered Contact and must have parental responsibility for the Junior.

Grandparents, other relatives or family friends can contribute to a Junior ISA, but they cannot open the account or act as the Registered Contact unless they are the Junior’s legal guardian.

To apply for a Wrap Junior ISA, a close family member of the Junior must be an existing Wrap or Elevate account holder. A close family member is a parent or guardian, grandparent or sibling.

1. UK residents and non U.S. Persons only
2. No minimum age, maximum age 17 years, 9 months
3. No platform charges until the Junior reaches age 18
4. Wide fund choice from a variety of fund managers and model portfolios
5. Access to all the main asset classes, investment styles and risk profiles
6. Minimum investment amounts are:
• £500 single or annual contribution
• £50 monthly
• £150 quarterly
• £300 half yearly
7. Maximum contributions - £9,000 for the 2026/27 tax year
8. Withdrawals only allowed once the Junior is age 18 and the Junior ISA is converted into a standard Stocks and Shares ISA
9. Flexible adviser remuneration that you can agree with the Registered Contact

• Junior ISA Terms and Conditions
• Wrap ISA Terms and Conditions
• Junior ISA Key Features Document
• Junior ISA Declaration
• Junior ISA Change of Registered Contact form
• Junior ISA - Example illustration
• Anti-Money Laundering Compliance Form

1. We are using the functionality for Wrap Stocks & Shares ISAs to set up the Junior ISA.
2. As Wrap accounts are normally for clients aged 18 and above, we will use a mock date of birth and National Insurance number to set the Wrap account up.  A copy of the web form will be stored in the Client Document Library with the Junior’s correct details.
3. The Registered Contact must sign the Wrap Terms and Conditions on behalf of the Junior. If the Registered Contact wishes to sign terms electronically, check our list of approved e-signature providers.
4. We will set up the Junior ISA and let you know once it's ready to be used. You are then responsible for setting up any subsequent deposits or transfer instructions on the Junior ISA.
5. The Junior will be the beneficial owner of the investments of the Wrap Junior ISA.
6. On the Wrap account, client portal and platform outputs/reports, the product name will show as the Stocks & Shares ISA.  The account name for the Wrap account will include a reference to Junior ISA to identify the account as being a Junior ISA. 
7. The ISA declaration automatically produced by the Wrap platform and sent to the Registered Contact is only suitable for customers who are over 18.  You should inform the Registered Contact that it can be ignored and that the correct Junior ISA declaration is available in the Client Document Library.
8. Please note, an illustration will be generated when the Junior ISA is initially opened reflecting the standard platform charge. Once the Junior ISA is set-up, any future illustrations generated will reflect the correct platform charge (0%). You will then be able to run an existing business illustration based on the initial cash allocation; and once investments have been made in the Junior ISA, to show the investments held by the Junior.
9. Any illustrations generated on the Junior ISA will not take into account that our platform charge will apply when the Junior turns 18.  You should run a revised illustration at that point.
10. The Charges information document will be produced when you make an investment in the Junior ISA.

• Complete all required fields and submit the Junior ISA web form. You’ll then receive a confirmation email.
• You are required to complete the Anti-Money Laundering Compliance Form on behalf of any person making payment(s) into the Junior ISA.
• We will create the Wrap account number for the Junior and generate the wrap services client term and conditions (WRAP66).
• You’ll be sent the account number. The pre-sale disclosure documents will then be available from the Client Document Library.
• Once we are notified that the signed documents and anti-money laundering form (for any individuals paying into the Junior ISA) have been received, we will activate the account.
• If the Junior is eligible, we’ll link the Junior account to a close family member’s account for family linking.
• You will receive email confirmation of the Junior ISA being activated.
• The account is then ready for you to use and create deposit instructions.

Start an application now