Your OneFamily Child Trust Fund

Use your Child Trust Fund to create the future YOU want

Become an investor by turning your CTF into a stocks and shares ISA
Start saving to buy your first home by moving your CTF into a lifetime ISA

Manage your CTF Manage your child's CTF

Person sitting on a living room floor using a smartphone, with graphics showing “Happy 18th Birthday” and “The start of your financial future.”

Our Child Trust Fund at a glance

When will the child get the money?

When they turn 18

How much did the government pay into CTFs?

Between £50 and £750 (depending on your circumstances and date of birth).

How do I access my OneFamily CTF?

By registering for an online account.

What happens to my CTF when I turn 18?

It becomes an adult ISA and you can access the money.

What will you use your Child Trust Fund for?

I want to fund my future by growing my money

Your Child Trust Fund could be the start of something huge.

Moving it into a stocks and shares ISA via your online account means it stays invested and has the potential to grow into a fund that will support your next chapter, whatever that turns out to be.

Want to transfer your Child Trust Fund to OneFamily?

With our 4.3 stars on TrustPilot, it's no wonder one in five of our new customers were recommended by friends or family*.

Come see what the fuss is about. You can transfer an existing Child Trust Fund from another provider to us free of charge (please check that the other provider doesn't charge for transfers out).

Find out about transfers

*Source: Point-of-sale survey of 750 new ISA customers. Jan - Oct 2025.

Knowledge hub

Register to manage your, or your child's, OneFamily Child Trust Fund

To see your Child Trust Fund, you need to create an online account, which you can do after you turn 16.

Before then, your parent will need to create an account in their name to view your Child Trust Fund on your behalf, but you can take over when you’re 16.

You’ll be able to access the money in your Child Trust Fund after your turn 18.

Register to manage your CTF

I am over 16

Register as the owner's parent

I am a parent

OneFamily Child Trust Funds FAQs

Whether you’re looking for information about what to do after your Child Trust Fund matures or simply need to get in touch with us, we have the answers you need.

Explore our Child Trust Fund FAQs

When can I take money out of my Child Trust Fund?

How long does it take to withdraw or transfer money from a Child Trust Fund?

If you’ve requested your money by bank transfer, we will close your Child Trust Fund the day after you give the instruction. Bank transfers usually take between five to seven working days, depending on the bank you’re transferring into.

If you’re receiving your money by cheque, this should arrive with seven to 10 days of your request.

If you’re transferring your OneFamily Child Trust Fund into a OneFamily Junior ISA, this can take around a month to complete.

If your Child Trust Fund has matured (meaning you’ve turned 18 and can now access the money) and you want to move it into a Lifetime ISA or Stocks and Shares ISA, this should take around five days. The easiest way to make this change is by registering or logging into your online account and selecting the option to reinvest your money.

How much money is in my Child Trust Fund?

How can I claim a Child Trust Fund on behalf of a vulnerable child?

Our customers are at the heart of everything we do, so it’s important that we protect all of them – especially those who are most vulnerable.

We follow FCA guidance and have robust processes in place to make sure that the money in maturing Child Trust Funds held by vulnerable customers goes to the right people.

If a young person is unable to manage their own affairs and needs extra support from their parent or guardian, we ask that you get in touch with us so we can help. We’ll look at each situation on a case-by-case basis and will do our best to make the process as smooth as possible.

Please call us on 0333 2205067.

Campaign for better access to Child Trust Funds for children who lack mental capacity

Not only have we changed our own approach so that families don’t need to go through a lengthy and costly process, we’re also lobbying the UK government.

We’re asking Westminster to make this simplified process the norm for the estimated 200,000 children who don’t have mental capacity to access their CTF.

Read the latest campaign update