for future generations

Child Trust Fund

Let us help you support your child's long-term plans

  • Best Child Trust Fund provider in 2011 and 2010 as Family Investments

  • Easy online account management

  • Best Junior ISA Provider 2014-2017

  • Proceeds are free from capital gains and income tax

A tax-efficient way to invest for your child

Just think of all the things your child could do with some extra money when they’re 18. Heading to university or perhaps going travelling. Our Child Trust Fund (CTF) is an easily managed, tax-efficient way to potentially build up a lump sum that could help turn their plans and dreams into reality. Please remember that any tax advantages depend on your individual circumstances, and your child’s. Also, tax rules could change in the future.

Friends and family can also invest in your child's CTF. You just need to make sure the combined payments do not go over your child’s current limit of £4,260 per birthday year. This can be made up from regular or one-off payments or a mix of both. Because only the child can access the money and only from the age of 18, you can be assured that it’s there for them when they choose to move on to life’s next adventure.

Government rule changes mean that new Child Trust Fund accounts are no longer available. If you wish to invest with us and your child already has a CTF, you have three options:

      • If your child has a CTF with us, we’ll continue to take care of it.
      • If your child has a CTF with another provider, you can easily transfer it to us.
      • Or, you can transfer your child's CTF into a Junior ISA.

We are an award winning provider of both CTF and JISA products*.

*Moneyfacts’ Best Junior ISA Provider in 2017, 2016 and 2015. Best Junior ISA Provider 2014 and 2012 and Best CTF Provider for 2011 and 2010 awarded to Family Investments.

Lifestyling update

Important notice for OneFamily Stakeholder Child Trust Fund (CTF) customers regarding the removal of lifestyling.

More Information

Award winning

We won Moneyfacts awards for best Child Trust Fund provider in 2011 and 2010 as Family Investments. Best Junior ISA provider 2017, 2016 and 2015 awarded to OneFamily.


The proceeds from the CTF are free from capital gains and income tax. So the full value goes to your child. However these tax advantages depend on you and your child's individual circumstances. Also, the tax rules could change in the future.

Other people can pay in too

For example, friends and family might want to contribute, especially on a special occasion like your child’s birthday. Just so you know all contributions count towards the £4,260 annual limit.

Easy online management

You can manage OneFamily Global Investments and OneFamily Ethical Child Trust Funds online, 24/7. You can see statements and the account’s current value and manage payments.

Experienced and trusted

We have 40 years' experience and look after over £7 billion of family money for over 2 million customers. Proud to be a mutual, we’re owned by you, our customers, so everything we do is genuinely about putting our customers first.

Potential for growth

With the Child Trust Fund, you’re investing in stocks and shares, so there’s good potential for the child’s investment to grow over the long-term. In fact, over every 18-year period in the last 50 years, stocks and shares have generally given better returns than bank or building society accounts* (where the money you put in is protected).

Of course, good returns in the past don’t guarantee good returns in the future. And because the Child Trust Fund invests in stocks and shares, its value can fall as well as rise. This is normal for investments in stocks and shares, but it does mean the child could get back less than you’ve paid in.

*Barclays Equity Gilt Study March 2017. Average annual real rate of return based on Barclays indices.

OneFamily Child Trust Fund

Transferring a Child Trust Fund to us

We make it as simple as possible to transfer a Child Trust Fund from another provider to us, and we won't charge you to do this. However, please do check with your current provider in case they have any charges.

Check suitability

Check you have all the facts by reading the Important Information booklets and Key Investor Information documents. You need to make sure that it's suitable for you and your child.

Choose a fund

Choose between three funds; our Global Investments Child Trust Fund, UK Investments Child Trust Fund and our Ethical Child Trust Fund.

Complete a transfer form

Download and complete the form for the account you prefer. Send it to us at OneFamily, 16-17 West Street, Brighton, East Sussex, BN1 2RL.

Want to transfer a Child Trust Fund to our stocks and shares Junior ISA?

Find out more

Three options to choose from

When you transfer a CTF held with another provider to us, you can choose from three funds. Each aims to grow your child’s account by investing in stocks and shares but approach it in different ways.

Please note that by completing and sending us a transfer form you are confirming that you have downloaded and kept a copy of the Important Information booklet and Key Investor Information document.

UK Investments
Child Trust Fund

This CTF invests in the Santander Stock Market 100 Tracker Growth Unit Trust - IA Class which invests in shares in the top 100 companies listed on a selected UK index.


Key Features

Key Investor Information document

Terms and Conditions

Transfer form

Global Investments Child Trust Fund

This Child Trust Fund invests in the Family Investments Child Trust Fund which in turn invests in shares across several different stock market indices in the UK, Far East, North America and Europe.


Important Information booklet

Key Investor Information document

Download the fund factsheet

Transfer form

Ethical Child Trust Fund

This CTF invests in the Family Charities Ethical Trust which aim to achieve growth by closely following the top 50 companies listed on a selected UK ethical index. The companies are included on the index for their responsible attitude to environmental and social issues, making this a more ethical way to invest.

Important Information booklet

Key Investor Information document

Download the fund factsheet

Transfer form

Register to manage your account online

If you have a Global Investments Child Trust Fund or Ethical Child Trust Fund with us, you can register today to manage your child's account online.

We'll let you know as soon as you can manage a UK Investments Child Trust Fund account online. Meanwhile, if you need any help please try our Q&As or contact us.

Register now