Getting the most out of a Child Trust Fund

A child trust fund account can provide your child with a useful lump sum when they turn 18. Money for travelling, towards driving lessons or a car, help with further education or to reinvest for a rainy day.

To help your child get the most from their account you can pay in a maximum total amount of £4,368 each year. There are various ways you can do this:

Direct debit

You can set up a direct debit so that you can pay in regular contributions to the account. Or if you already have a direct debit set up, you can increase the monthly amount.

Ad hoc payments

You can make additional one off payments as and when you can, and also pay in any birthday or Christmas money your child gets given.

Friends and family

Did you know that anyone can contribute to your child’s CTF? So you can ask friends and family to contribute to the account as well.


Other options

You can call us, send us a cheque or use online banking. Most customers can also pay online using our online account management system, registering is easy and gives you instant access to your account so you can easily make top-ups, see statements and look at projections for the future - register now.

To see all the ways you can pay in and help save for your child’s future please click here.

Please keep in mind that the value of stocks and shares investments can fall as well as rise. This is normal for investments in stocks and shares, but it means the child could get back less than has been paid in. Remember only the child can access the funds and only when they turn 18.

Cash accounts can't lose money, but the effects of inflation mean the child won't be able to buy as much in the future as they can today.

More about your Child Trust Find

How to find your Child's Trust Fund

OneFamily - Your Child Trust Fund provider

Help your teens understand the value of money

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

Log in to your account

See how much your child's account is worth; use our projections calculator to see how much the account could be worth in the future; and update your contact or payment details.

Log in