What is a Child Trust Fund?

A Child Trust Fund (CTF) is a long-term tax efficient savings account for children, launched by the Government in 2002 and available until 2011. Children born during this period were granted a £250 voucher, towards which parents could further contribute up to £9,000 per year.

On your 18th birthday, the money saved in the CTF becomes available to use how you wish, with OneFamily here to support you in finding the right option for your personal financial goals.

Why choose OneFamily?

We make a difference
Since 2015 we've awarded over £4.75 million* to our customers and communities.

Great customer service
87%** of customers who contact our UK-based call centre are happy with the service they received

Experienced and trusted
We've over 45 years' experience in helping families make the most of their money, looking after £7.3 billion for more than 2 million customers in the UK*

*As at December 2021

***Customer research carried out October through December 2021


Your Child Trust Fund options at 18

Register with OneFamily to re-invest and continue saving your Child Trust Fund, or withdraw some or all of your money to use as you wish.

Re-invest your CTF

Maximise your saving potential by transferring your full Child Trust Fund into a Stocks & Shares ISA or Lifetime ISA, perfect for saving towards your first home.

Spend some, save some

Take what you need right away, perhaps for university or your first car, and then re-invest the remainder into a Lifetime ISA or Stocks & Shares ISA.

Withdraw your funds

If you know what you want to do with your money, you can also withdraw it from your Child Trust Fund to use as you wish.

Not sure what to do next?

Explore your options

What to do next

Parents and registered contacts

Register for Online Account Management to access your child’s CTF, see how much their account is worth and help them to make a decision on what they’d like to do next.

Register with OneFamily to get started

Teenagers aged 16 and over

If you're over 16, you can register to take control of your Child Trust Fund, meaning we can no longer discuss the accout with a parent or guardian. When you turn 18 you will be able to tell us via your online account what you want to do with the money.

Take over your Child Trust Fund

Our guides to UK Child Trust Funds for parents and teens

Get all the information you need to feel fully informed when investing in your future.

How to trace a lost Child Trust Fund

For those who have lost their Child Trust Fund entirely or are not sure whether their child has one, OneFamily are here to help.

Trace a lost CTF

What's next for your Child Trust Fund?

It's been great supporting you in your savings journey over the years, so why don't we keep the relationship going?

Find out more

Thinking about your future

We explore the options if you want to continue investing some of your money once your Child Trust Fund matures

Read more


Climate-friendly investments that make a difference

We understand the importance of climate change, and how acting now can make a real, positive impact to the world we'll live in tomorrow.

That's why your Child Trust Fund product options at 18 all come with climate-friendly investment options, so your money can work for your pocket and your environment.

We assess companies on 5 key factors before we invest into them, including their green revenues and carbon intensity. Find out more about our climate-friendly investments.

Common Child Trust Fund questions for parents and teens

Child Trust Funds (CTFs) are tax efficient long-term savings plans for children. They were introduced by the government and designed to provide children with a lump sum when they turn 18.

Read our full Child Trust Fund FAQs for more information.


Further Child Trust Fund support

Help with my OneFamily CTF

Register Online

You'll need to be set up online to access the money in your CTF.

Create your account now

Make a payment

Maximise this years' allowance by setting up a regular direct debit or a one-off payment into a CTF.

Make a payment now

Fund performance

We want you to feel confident that you are investing your money in the right place by showing you how our CTFs have performed over time.

View our fund performance page

Frequently asked questions

If you've got a question about your CTF, we've probably got it covered in our FAQs.

View all CTF FAQs

Not a OneFamily Customer?

Find my Child Trust Fund

Can't remember which provider you took your CTF out with? Use our CTF finder to see if we can locate it.

Transfer your Child Trust Fund to OneFamily

Got a CTF with a different provider but want to transfer it to OneFamily? No problem. You can transfer into our Child Trust Fund or Junior ISA

Important information: Don't forget that our Child Trust Fund invests in stocks and shares. Investments can go down as well as up so you could get back less than you have paid in.