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How to find your child trust fund

It’s estimated that around £394 million is sitting in unclaimed matured child trust funds.

If you were born in the UK between 1 September 2002 and 2 January 2011 then it’s very likely that you have a child trust fund in your name.

OneFamily Child Trust Funds

We look after around a quarter of all child trust funds, including some that were originally managed by other providers, so there’s a good chance your child trust fund is with us.

If you already know that your child trust fund is with us, simply register or log in to manage it. Your parent or legal guardian will need to create an online account if you're not yet 16 but only you will ever be able to withdraw any money.

Which provider did you/your parents open your child trust fund with?

Don't panic if you don't know, simply select 'Not sure' and we will tell you what to do next!

Abbey National (now known as Santander)
Access Matrix
Alliance & Leicester Building Society
ASDA
Barclays
Bounty
Bradford & Bingley
Cambridge Building Society
Catholic Building Society
Chorley & District Building Society
Clydesdale Bank
Coventry Building Society
Darlington Building Society
Debenhams
Early Learning Centre
Family Investments (now known as OneFamily)
Kingston Unity Friendly Society
Leeds City Credit Union
Legal & General (previously with Nationwide)
LV= (Previously known as Liverpool Victoria)
Marsden
Mercantile Building Society
MGM
Monmouthshire Building Society
National Childbirth Trust (NCT)
National Deposit Friendly Society
Nationwide (transferred to Legal & General)
Nectar
Northern Bank
OneFamily (previously known as Family Investments)
Post Office
Sainsbury's Bank
Santander (previously known as Abbey)
Scarborough Building Society
Scottish Building Society
Share Centre
Skipton Building Society
Teachers Friendly Society
UK Armed Forces Benefit Society
UK Civil Service Benefit Society
Wanadoo
Yorkshire Bank
Yorkshire Building Society
Not sure / not on the list

Good news – it looks like we might have your child trust fund!

If you’re 16 or over, simply click the register button below and follow the steps to create an online account for your Child Trust Fund. If you’re not yet 16, your parent or legal guardian will need to register for you.

Please note, you will need your National Insurance number to register.

That’s ok. Here’s what you need to do:

Find your National Insurance number. If you don’t have it, here’s how to find it.
Visit the ‘Find a child trust fund’ page on the HMRC website and complete the online form, which will ask for your National Insurance number. You will need a Government Gateway ID to log in, but you can create one if you’ve not used HMRC’s website before.
HMRC will send you a letter in the post to tell you where your child trust fund is. If it’s with OneFamily, you can create an online account to see it (please note, if you’re not yet 16, your parents will need to do this on your behalf).

You can also transfer to a OneFamily CTF

Frequently asked questions about child trust funds

How many unclaimed child trust funds are there?

Around six million people across the UK were given a child trust fund. But according to the Investing and Saving Alliance, in August 2022 around 27% of child trust funds hadn’t been claimed a year after they’d matured.

Figures from HMRC estimate that around 700,000 child trust funds are dormant, meaning no-one has touched them. Other analysis suggests up to one million accounts, worth more than £600 million, could have the wrong contact details on them.

What happened if your parent didn’t set up a child trust fund account?

Parents were sent a child trust fund voucher shortly after their child was born, which they could use to open a child trust fund. If they didn’t do this before the child’s first birthday, HMRC opened an account on the child’s behalf so they wouldn’t miss out.

It’s estimated that this happened with around a quarter of the vouchers that were sent out.

These accounts are known as Revenue Allocated Accounts.

Why has the value of my Child Trust Fund changed?

More Child Trust Fund FAQs