How do I get access to my Child Trust Fund?

There are a few things you need to do to access your money when you turn 18. Some of the steps you can take at 16, but you can only tell us what you want to do with your money when you turn 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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Think about your future

While the initial investment for your Child Trust Fund was made by the government, your parents and family may have been making payments, so it’s important to think about what you want to do with your money when you turn 18.

Getting access to your money is a good opportunity to think about what you want to do in the future, and how the money could help you get there. We’ve got lots of great articles in our content hub to help you learn about finances, including where to go to find good advice – but it might be a good idea to speak to your parents or guardians about your future.

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Think about what you want to do with your money

After you’ve turned 18, there’s three things you can do with your money:

  • Keep saving all of it with OneFamily
  • Keep saving some of it
  • Withdraw it all
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Choose a product and investment option

Find out more about us and our Lifetime ISA and Stocks and Shares ISA – you can open one or both products depending on what you want to use the money for in the future.

When you’ve chosen which product you’d like to open, you have two climate-friendly investment options to choose from – Global Mixed or Global Equity.

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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.