How it works

Sign up to Prosper

Create a profile and a goal for your child. No paperwork, no birth certificates!

Set your preferences

Select a product and risk level. You can also add an investment theme to personalise your portfolio.


Your child's account is now open and you’ve invested in hundreds of companies across the world. Wow!

Top up and share with family

You can now make one-off & monthly payments, add a partner or even get the whole family chipping in.

Investing Reimagined

Easy investing for your children’s futures

Get started from as little as £1
Team up with your partner
Themed investments
Automated monthly investing
Learn about investments
Easy investing for your children’s futures - image
You set the goal, we help you get there - image

You set the goal, we help you get there

Pick from 3 products
Create custom goals
Smart suggested contributions
Real time tracking vs goals
Open an account

Receive gifts, directly to your child’s Junior ISA.

Unique gift link with every JISA
Gift cards for every occasion
Track different gifters
Personalised thank yous
Learn about gifting
Home memory image

A money and a memory box

Quick and easy payments
Take or upload a photo
Add a personal message
See featured memories
Open an account

Choose How You Invest

Junior Stocks & Shares ISA

A tax-free account in your child’s name that lets you (and anyone else) invest for them. It’s locked until they’re 18 so they can’t use the money before then.

coming soon label

Junior Investment Account (Bare Trust)

An account in a child's name that can be opened by any family member. It uses the child’s tax allowances and lets you withdraw money before they turn 18 (provided you use it for their benefit).

coming soon label

General Investment Account

A taxable account in your name, not your child’s (it uses your tax allowance). You’ve got full flexibility to decide what the money is used for, and when.

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. How much you’re taxed depends on your own personal situation, and that can change in the future.

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 speak to a qualified financial adviser.

Peace of mind with Prosper

We’re transparent

No hidden fees. No complicated pricing.

We charge a flat “platform fee” of 0.50% to manage your investments. There’s then an additional 0.20%-0.29%, depending on what investments you pick (paid to BlackRock and/or Vanguard).

That’s an annual fee of around £7.90 if you invest £1,000 with us.

Our pricing

We’re protected

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

Our investments
Prosper icon - Empower our families

We’re parents

We like to keep things in the family.

We’re an app built by parents for families. So, we understand your niggles and your ambitions when it comes to your little ones.

And we understand just how priceless peace of mind is.

Happy days.

Meet the team

Frequently Asked Questions

What does Prosper do?

Prosper is an app created to help parents invest for their children's futures with the support of their close family & friends. We offer investment products like Junior Stocks & Shares ISAs, Bare Trusts and General Investment Accounts which you can use to invest money for your child's or another child's future.

We also allow family members to gift money directly into Junior ISAs (as well as leave a message and a picture for the child to see when they're older) without the hassle of sharing bank details.

How is Prosper different to other saving & investment products?

We've built the Prosper app to make it as simple as possible for a group of people to invest together for shared goals regardless of what they are. Here's some of the ways we're different to other children's saving & investment products.

  • You can select between three different investment products depending on your goals and wishes. This includes a Junior ISA if you want tax-free investing, a Bare Trust if you want flexibility before your kid turns 18 or a General Investment Account if you want to keep the money in your name.
  • We let both the parents access and manage the account. No longer is only one member of the household in charge of the finances.
  • Prosper is the perfect way for grandparents & godparents to gift money. You have a unique link for each goal you create which can be shared with friends & family allowing them to contribute directly to your children's futures. They can also leave messages and pictures which will all be given to your child when they access the money in the future.
  • You can send gifts and begin the investment journey without receiving the bank details or personal information for the kid's parents. A perfect present for birthdays and Christmas.
Who can open a Prosper account?

Prosper is available to UK parents who are over the age of 18 with parental responsibility for a child under the age of 16 who lives in the United Kingdom.

Is my money safe with Prosper?

Your investments are held by WealthKernel who act as custodian for all our customers' money. They hold your cash and investments separately from their own cash (ring-fenced) in accordance with the FCA's client asset rules, so even if Prosper went into administration, our creditors wouldn’t have a claim to your investments.

On top of this, your money is covered, up to £85,000, by the UK Financial Services Compensation Scheme (FSCS) if Thrive and/or Wealthkernel went into administration. Note that this doesn’t cover drops in the value of your investments.

How much does it cost to use Prosper?

The app is free to download, you only pay an annual % fee on the amount you invest on our platform, depending on the investments you choose.

That annual % fee includes a "platform fee" that goes to Prosper (0.50%) and fund charges that go directly to your fund manager (between 0.20% and 0.29% depending on the investments you select).  So if you invested £1,000 with Prosper that would be a maximum annual fee of £7.90.

Start investing today

Your children’s future is in your hands. Secure it.

Open an account

Prosper is a trading name of GetProsper Ltd, applying to be an Appointed Representative of WealthKernel Limited (FCA ref no. 723719), which is authorised and regulated by the Financial Conduct Authority.
GetProsper Ltd is registered in England and Wales, no.14992849, with a registered office at 124-128 City Road, London, EC1V 2NX.

Nothing we write on this website should be seen as financial advice. Any investment is a risk. You might end up with more than you put in – or you might end up with less. What you’re taxed depends on your own personal situation, and that can change in the future. If you’re not sure if investing is right for you, then it might make sense to speak to a professional financial adviser.

Copyright © 2024 GetProsper Ltd. All rights reserved