Dealing account for children

An easy, flexible way to build for their financial future.

Open a Dealing account

Limitless investing for your little one

Invest in the financial future of the child in your life with our Dealing account for children – also known as a ‘Bare trust’ dealing account.

The parent or grandparent opening the account will be the trustee, with access available to the child once they turn 18.

  • Investment freedom
    There’s no limit on how much you can invest or access, which makes it useful if you’ve used up any Junior ISA or Junior SIPP annual allowances.
  • Flexibility
    There are no withdrawal restrictions, so you can access the money whenever you need it.
  • Invest as little as £25 per month
    If you don’t want to invest large sums, you can build for the future by investing as little as £25 per month with our regular investment service.
  • Start investing from just £25
    Once you've funded your account you’re ready to go. Set up a £25 monthly direct debit, make a one-off £250 payment, or transfer an account for free.

Open a Dealing account  

View charges and rates  

We keep our charges low

Our low-cost charges mean you have more money available to get the best value from your investments.

Account charge

Never pay more than
0.25%

Dealing charge

Deal online for as little as
£1.50

Charges calculator

Choose your investments

You’re the decision maker when it comes to choosing how and where to invest your money. Although we can’t give you recommendations, we can support you along the way by taking the confusion out of investing.
Man thinking about options

I need some ideas

Here you’ll find our AJ Bell managed funds, as well as a list of standout funds that we’ve chosen based on value and potential for growth, and Starter portfolios built by our experts and managed by you.

Women looking out of window thinking about her options

Show me all the options

See our full range of investment options across all markets and sectors, including over 4,000 funds, shares, trusts, ETFs, bonds and gilts – with dealing charges starting from just £1.50.

Expert tips on... 
Dealing accounts

Laura Suter

Laura Suter
Director of Personal Finance 

Understanding how to manage a Dealing account for a child is important for anyone interested in investing for the little one in their life.
  • AJ Bell offers a range of investments for Dealing accounts, including UK and overseas-listed shares, bonds, investment trusts and funds.
  • Our Dealing account is free to open and you can pay into your account whenever you want.
  • There are no restrictions on contribution levels or withdrawals, which can be useful if you’ve used up ISA or pension allowances.
  • You can invest tax-free up to your dividend, personal savings and capital gains tax allowances, but tax is applicable beyond these levels.
  • Someone looking to make their investments tax-efficient may want to consider alternative accounts such as a Stocks and shares ISA.

Still not sure what’s right for your child?

We get it. Deciding how best to plan for a child’s financial future can be difficult. We’re here to help. Take a look at our experts' tips on the investment options for kids and learn about our other child-friendly accounts. 

Investing for children

We look at the options available to help you decide what is best for your little one.

Junior ISA

Build a nest egg for your child by investing up to £9,000 tax-free every year until they turn 18.

Junior SIPP

Plan for their tomorrow, today by investing up to £3,600 each tax year in a Self-invested personal pension.

We're here to help you invest

We’ve been helping our customers put their money to work for over 30 years. And with over 673,000 customers, that’s a lot of people taking control of their financial futures. 

We’re not just one of the UK’s largest and best regarded investment platforms, we’re listed on the FTSE 250, we’re regulated by the Financial Conduct Authority (FCA), oh, and we’re a Which? Recommended provider seven years running, 2019-2025. 

So, when you're ready to feel good, investing, we're here to help.
Which 7 years running