Your teen's OneFamily Child Trust Fund

Your teen can use their Child Trust Fund (CTF) to shape their future

Become an investor by turning their CTF into a Stocks and Shares ISA
Start saving to buy their first home by moving the CTF into a Lifetime ISA

Manage your child's CTF

Our Child Trust Fund at a glance

When will my 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 child's OneFamily CTF?

By registering for an online account.

What happens to my child's CTF when they turn 18?

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

What will your teen use their Child Trust Fund for?

I want to fund my teen's future by growing their money

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

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

Want to transfer your Child Trust Fund to OneFamily?

With our 4.1 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 teen's OneFamily Child Trust Fund

To see your teen's Child Trust Fund, you need to create an online account.

Your teen can create an online account themself, to monitor and view their Child Trust Fund, once they have turned 16.

They'll be able to access the money in their Child Trust Fund after they turn 18.

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 they take money out of their Child Trust Fund?

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

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

If they're receiving their money by cheque, this should arrive with seven to 10 days of the 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 teen's Child Trust Fund has matured (meaning they've turned 18 and can now access the money) and they 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 their online account and selecting the option to reinvest your money.

How much money is in my teen's 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