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How to access your Child Trust Fund

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

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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, our child trust fund finder might be able to help.

Tip: We look after a lot of CTFs that used to be with different providers so we might now have yours.

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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 OneFamily 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.

Register for an online account

Tip: You'll need your National Insurance number to register.  Here’s how to find it.

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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

Tip: It’s not all of nothing. You can take some of your money out to spend now and keep some invested.


Tell us what you’d like to do

Once you’re 18, the choice is yours.

You’ll need to log into your OneFamily 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

Tip: If you’ve not yet decided what to do, your money will stay invested or earning interest while you decide.

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Maturity FAQs

Got questions about what happens to your money when you turn 18? Our maturity FAQs have the answer.

Why has the value of my CTF account changed?

The value of your investment can change over time so you may end up with more or less than you expected.

Should you save or invest for the future?

When you turn 18, you'll be able to choose what to do with the money in your OneFamily Child Trust Fund.

Your choices when you reach 18

Used wisely, your OneFamily Child Trust Fund could help you achieve your goals. Have you decided your next move?