Child Trust Funds (CTFs)

Child Trust FundsNeed a reminder about Child Trust Funds?
Child Trust Funds were designed to provide children with a financial boost at a key milestone in life. Every eligible child born between 1 September 2002 and 2 January 2011 was given a voucher by the government to pay into a CTF, which will provide a tax free lump sum when the child turns 18.

We're the UK’s largest provider of Child Trust Funds, with over 16 years of experience as a CTF provider. We're owned by and run for our customers, caring for £7.4 billion of family money for them.

Our expertise in child savings products has been recognised - we were rated "Best Child Trust Fund Provider" in 2010 and 2011 as Family Investments, and "Best Junior ISA Provider" 2014 - 2018 as OneFamily.


Three children, two boys and one girl, with their father, against a yellow background

What is a CTF...

Our Child Trust Fund is an easily managed, tax-efficient way to potentially build up a lump sum that could help turn your child’s plans and dreams into reality. Please remember that any tax advantages depend on your child’s and your individual circumstances, and that tax rules could change in the future.

Friends and family can also invest in your child's CTF. You just need to make sure the combined payments do not go over your child’s current limit of £4,368 per birthday year. This can be made up from regular or one-off payments or a mix of both. Because only the child can access the money and only from the age of 18, you can be assured that it’s there for them when they choose to move on to life’s next adventure.

... and does your child have one?

The government issued every eligible child born between 1st September 2002 and 2nd January 2011 with a voucher to invest into a CTF account. If you didn’t open a CTF account, the government will have opened one on your behalf.


Looking for your child's CTF?

As the UK’s largest CTF provider, there’s a good chance that we look after your child’s CTF. And if we don’t, we can help you to find it.

We now look after a number of CTF accounts previously managed by other providers, Use the drop down menu on the right to see if your original provider is on our list.

Which provider did you take the CTF out with?

Good news!

We may have your child’s CTF. Call us on 0344 8 920 920* and we can find out for you.

Lines are open Mon-Fri 9am - 5pm*

Not sure where your child's CTF is?

Your chosen provider not on the list? Register with OneFamily for information on how to locate your child’s CTF at no charge and to receive emails about our products and services.

For the OneFamily Privacy Policy please click here

Parents! Get up to speed

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Transfer to OneFamily

Government rule changes mean that new Child Trust Fund accounts are no longer available. If your child currently has a CTF with another provider and you want to invest with us, you can transfer it to us, either into a CTF or Junior ISA. Our Junior ISA and CTF accounts invest in stocks and shares, so values can fall as well as rise, which means your child could get back less than has been paid in. Only your child can access the money, and only when they turn 18.

Transfer to our Junior ISA

Transferring to us is simple, and we won’t charge you for making the change. We can accept transfers from cash or stocks and shares Junior ISAs with a value of at least £500.

Transfer now

Transfer to our Child Trust Fund

We make it as simple as possible to transfer a Child Trust Fund from another provider to us, and we won't charge you to do this. However, please do check with your current provider in case they have any charges.

Transfer now

We're owned by our customers and put them at the heart of everything we do, which is demonstrated through our customer satisfaction rating of 92%.

Here's what our customers are saying...

OneFamily Member Benefits

Personal Grants

Awards of up to £500 are available to our customers and their loved ones.
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Young Persons Educational Grant

Apply for up to £500 to help a young person with education, work experience, or apprenticeship costs.
Find out more

Lifetime Mortgage Advice

£500 saving for eligible OneFamily members, where the fee is paid by OneFamily
Find out more

Register to manage your account online

If you have a Global Investments Child Trust Fund or Ethical Child Trust Fund with us, you can register today to manage your child's account online.

We'll let you know as soon as you can manage a UK Investments Child Trust Fund account online. Meanwhile, if you need any help please try our Q&As or contact us.

Register now

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See how much your child's account is worth; use our projections calculator to see how much the account could be worth in the future; and update your contact or payment details.

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