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How to access your Child Trust Fund

You can become the registered contact for your Child Trust Fund account from the age of 16. Then, at 18, you can decide what you’d like to do with the money in your account.

CTF how to step 1

Find your Child Trust Fund

If you already know that your Child Trust Fund is held with OneFamily then skip this step. If you're not sure which provider is looking after it, use our Child Trust Fund tracer to find out.

CTF step 2

Register for an online account and download Yoti

You can do this as soon as you turn 16.Before your 16th birthday, someone with parental responsibility will need to be the registered contact – usually your parent or legal guardian. They can create an online account to see your Child Trust Fund and pay money in, but they’ll never be able to withdraw money from it.

It's also a good idea to download and set up digital ID app Yoti as you'll need to use this to prove who you are if you decide you'd like your money transferred to your bank account when you turn 18.

It’s easy to register, but you do need to know your National Insurance number. Don’t panic if you don’t have it, here’s how to find it.

Register for an online account

CTF how to step 3

Consider your options

If you’re not yet 18, take this time to think about what you’ll do with your money when you’re able to access it.

You can choose to keep saving or spend it all straight away, or you can let yourself have fun with some of the money but keep the rest invested and safe from temptation.

Find out more about your options

CTF how to step 4

Tell us what you’d like to do

Once you’re 18, the choice is yours.

You’ll need to log into your online account where you can withdraw money either by bank transfer or by asking us to post a cheque.

You also now have the option to move money into an ISA or a Lifetime ISA.

If you’ve not yet decided, it’s ok to do nothing!

Find out about the investment options open to you