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Home > Child Trust Fund and Junior ISA maturity > The next steps for your Child Trust Fund

What's next for your Child Trust Fund money?

At 18, you'll be able to log into your online account and tell us what you’d like to do with the money in your Child Trust Fund.

What are my choices?

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The here-and-now option

Take all your money out now to spend how you like. You'll be able to ask us to send you a cheque or transfer the money to your bank account through your online account.

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The happy medium option

Keep some money invested, but give yourself permission to spend some of it now. You'll be able to select how much to withdraw and we'll help you move the rest to an adult account.

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The future-planning option

Resist temptation and invest your money for a future goal, such as setting up a business or buying your first home. The option to move your money into an adult investment product will show in your online account after you turn 18.

Want to know more about what happens when your Child Trust Fund matures? Have a look at our maturity FAQs.

Already 18 and ready to make your choice? Log in or register.


How can I invest my Child Trust Fund money?

That depends on what you want to spend the money on in the future.

We have two products that both invest in stocks and shares but are designed for different savings goals. Both are tax-efficient, meaning no matter how much money you make you won’t pay any tax when you take money out, and they both come with the option to invest in a climate-friendly fund. Win-win.

  • Our Lifetime ISA could be right for you if you want to invest your money towards buying your first home at some point in the future.
  • Our Stocks and Shares ISA might be a better fit if you want to put money aside for anything else or you've not yet decided what you'll spend it on.

Once you turn 18, you'll see an options in your online account to simply transfer money from your Child Trust Fund into one of these products.

Find out more about investing your Child Trust Fund money.

Choosing between a Lifetime ISA and a Stocks and Shares ISA

Both of these ISAs invest in stocks and shares. It's worth remembering that the value of stocks and shares can fall as well as rise. This is normal for this type of investment, but you could get back less than has been paid in.

Stocks and Shares vs Lifetime ISA video

Not sure which is most suitable for you? Our short video explains how these two products suit different savings goals.

Ready to make your choice?

Register or log into your online account to let us know what you’d like to do.

If you want to withdraw some, or all, of the money in your Child Trust Fund you can choose to do this by bank transfer or by asking us to post you a cheque.

I’m not yet 18

Sit tight for now. If you’re 16 or over, you can register for an online account so you’re ready to go as soon as you do turn 18.

I’m 18 but haven’t got an online account

It’s easy to register, you just need your name, date-of-birth and National Insurance number.


I’m 18 and have an online account

Log in and let us know what you’d like to do with your money. If you’re not decided, don’t worry – you can leave your money where it is while you give it some thought.

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