CMC Markets (LSE: CMCX) has launched a Junior Cash Individual Savings Account through its CMC Invest platform, extending the FTSE 250 broker's push beyond its core contracts-for-difference business and into long-term family savings. The account pays 3.56% AER variable interest, accepts deposits from £1, and is opened and managed entirely online, the company said.
Singapore Summit: Meet the largest APAC brokers you know (and those you still don't!)
Interest is paid monthly, and existing JISAs held with other providers can be transferred in, according to the company. CMC described the launch as part of its strategy to bring trading and investing into a more unified offering, building on a multi-asset push it has accelerated over the past year.
Rate Beats Major Banks but Sits Below Top Building Societies
The 3.56% rate places CMC's Junior Cash ISA above several high-street offerings, including Halifax's Junior Cash ISA at 2.35% AER and NS&I's at 3.55%, although it trails some specialist building society products such as Leek Building Society's 3.85%. CMC has not disclosed how long the introductory rate will hold, and the variable structure means it can move with broader interest rate conditions.
Jon Bendall, CMC's Chief Operating Officer, said the JISA gives families "a simple, secure and tax-efficient way to start building wealth for their children" and "extends our offering to the next generation of investors." Lachlan Rourke-Davies, the product manager who led the build, said the account was designed to be "simple to open and easy to manage."
- CMC Markets Taps Upvest to Add Multi-Currency Stocks and ETFs in Germany
- CMC CapX Spotlight Streams FTSE Executive Presentations to Retail Investors
- CMC Markets Appoints Emma Earp to Board
The Junior ISA market itself remains tightly defined by HM Revenue & Customs rules. Parents and guardians can pay up to £9,000 per child per tax year into a combination of cash and stocks-and-shares Junior ISAs, with the funds locked until the child turns 18. The account size makes it a niche product compared with adult ISAs, but providers see it as a long-duration relationship that can convert into a full investment account a decade or more down the line.
CMC Invest Adds Another Layer to the Wealth Build-Out
The Junior Cash ISA is the latest piece in a steady expansion of CMC Invest, which CMC originally launched in the UK in October 2022 as a commission-free share-dealing platform.
The unit has since added flexible Stocks and Shares ISAs, a US dollar wallet, and access to more than 12,000 global shares and ETFs. In late 2025, CMC rolled out a single multi-asset platform that lets clients hold equities and trade derivatives within one account, alongside a three-phase plan to evolve into what the company describes as a financial "Super App" combining TradFi, DeFi, and eventually banking products.
CMC has not disclosed pricing assumptions behind the 3.56% rate, the spread it expects to earn on cash balances, or whether it intends to add a Junior Stocks and Shares ISA.
Leveraged Brokers Race to Lock In Long-Horizon Clients
The launch slots into a broader pattern across the CFDD industry, where firms that built their businesses on retail leveraged trading have spent the past several years diversifying into wealth management, passive investing, and now products aimed squarely at long-term family savers.
Trading 212, an early disruptor of zero-commission stock trading, secured FCA authorization for self-invested personal pensions in February 2026 after a five-year wait, and now positions stockbroking and tax-efficient cash savings as its primary growth lines rather than CFDs.
Revolut launched a Stocks and Shares ISA in July 2025 with a £1 minimum, eToro added a Cash ISA at 4.67% in November 2025, and Warsaw-listed XTB rolled out a zero-fee ISA targeting the £400 billion UK ISA market in December 2024 with fractional share access and a 4.75% yield on uninvested cash, as Finance Magnates previously reported in coverage of the UK micro-investing trend.
The push toward minors is newer. In December 2025, Binance launched Binance Junior, a standalone app for users aged six to 17 that links to a parent's main account and lets parents set spending and transfer limits on crypto holdings.
From Leveraged Trading to Family Finance
CMC's multi-asset push has been visible in the broker's results. Trading revenue rose 50% in the first half of fiscal 2025 to £131.3 million, and the group has guided toward 45% revenue growth on the back of cost cuts and new product launches, including its partnership with Revolut that distributes CFD access through the neobank's app. The investing arm has been a smaller revenue contributor than CFDs, but management has pointed to it as the strategic growth lever.
Whether the JISA itself moves the needle on group revenue is a different question. Junior ISA balances are capped, locked away for years, and pay interest that the provider funds from the spread on client cash.
The strategic value is the household. A family that opens a Junior Cash ISA for a five-year-old is a candidate, in CMC's bet, to hold an adult ISA, a SIPP, and eventually an investing or trading account on the same platform.
That, in turn, is the longer game now playing out across the CFD industry: as the addressable pool of new leveraged retail traders shrinks, brokers are reaching for the next generation before another platform gets there first.
