{"id":337040,"date":"2020-09-21T18:03:14","date_gmt":"2020-09-21T17:03:14","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=337040"},"modified":"2025-11-28T15:02:55","modified_gmt":"2025-11-28T15:02:55","slug":"beanstalk","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-reviews\/beanstalk","title":{"rendered":"Beanstalk app review"},"content":{"rendered":"<h3>What is Beanstalk?<\/h3><p>Beanstalk describes itself as \u201cthe family app that invests in your kids\u201d. It basically lets you open a <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/junior-stocks-and-shares-isas\">stocks and shares Junior ISA (JISA)<\/a> for your children, which parents, grandparents and other family members can all make contributions to. The idea is that the wider family clubs together to get a savings pot going for its youngest members.<\/p><h3>How does Beanstalk work?<\/h3><p>You can use the mobile app to open and manage JISA accounts for any or all of your children (plus there\u2019s an adult <a href=\"https:\/\/www.finder.com\/uk\/stocks-and-shares-isas\">stocks and shares ISA<\/a> option as well should you want to have one for yourself).<\/p><p>The mobile app can be used to check the balance of the JISAs or add some more money in. There\u2019s no minimum amount or regular contribution required, and you can see the accounts that you\u2019ve opened all in one place.<\/p><p>You can also invite other family members or friends to \u201clink\u201d to a specific child\u2019s account, and they can then make their own monetary contributions to that account through the Beanstalk app (which they will have to download). The people gifting money can also send messages through the app \u2013 for example, if they\u2019re putting some birthday money into the account as a present.<\/p><p>Another interesting feature of Beanstalk is the ability to \u201cround up\u201d the change from your shopping transactions and add it to the accounts you\u2019ve opened in the app (and you can choose to have it shared out equally across all the accounts).<\/p><h3>What are the fees for Beanstalk?<\/h3><p>The app is free to download and use, with no fixed monthly or minimum fees. Beanstalk\u2019s annual fee is 0.5% of the account value.<\/p>                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                    \n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3>Is Beanstalk safe?<\/h3><p>Beanstalk is FCA regulated, and its customers\u2019 money and investments are held under FCA client money and custody rules by its authorised investment platform provider. Investments are covered up to \u00a3120,000 under the <a href=\"https:\/\/www.finder.com\/uk\/banking\/what-is-the-fscs\">Financial Services Compensation Scheme<\/a>.<\/p><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\"><p>All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest. Past performance is no guarantee of future results. If you\u2019re not sure which investments are right for you, please seek out a financial adviser. Capital at risk.<\/p><\/div><\/article><br>","protected":false},"excerpt":{"rendered":"<p>Beanstalk enables the whole family to start saving into your child&#8217;s Junior ISA \u2013 find out more about how this app-based stocks and shares ISA 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