How do I get access to my Child Trust Fund?

You can access your account from the age of 16, but you can only tell us what you would like to do with your money once you are 18.

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Register to become the owner

Before you can tell us what you want to do with your money, you need to become the owner of your Child Trust Fund. This will take the place of your parent/guardian, who are currently looking after it on your behalf. You can register to take over your CTF when you turn 16.

If you’re ready, register to take over your account now.

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Set up a free Yoti account

To ensure you’re the only person with access to your money, we need to verify your identity. We’ve partnered with the UK’s leading digital ID app Yoti to make it easy to prove your identity with your mobile.

Yoti is a simple, safe and fast way for you to prove your identity online – and best of all, completely free to download and use.

Find out more about Yoti and download the app here.

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Wait until you’re 18

You’ll need to sit tight until you’re 18 before you can tell us what you want to do with your money. When you’re ready, log in to your account and follow the instructions.

But don’t worry if you’re not sure and can’t decide what you want to do – your money will be waiting for you when you’re ready.

We're currently upgrading the mobile experience for Child Trust Fund customers. If you're 18 and are ready to tell us what you want to do with your money, we recommend you complete this on a laptop or desktop.