Our Child Trust Fund

A stakeholder Child Trust Fund account which invests in shares (with an ethical option), for parents or guardians of a child with a valid Child Trust Fund voucher. It might not be too late to invest!

If you've read the details and are happy our Child Trust Fund is right for you, you can apply online today.

Apply Online

Is your child eligible for a Child Trust Fund?

If your child was born on or after 1st September 2002 up to, and including, 2nd January 2011, resident in the UK and eligible for Child Benefit, then you should have received a Child Trust Fund voucher from the Government.

You can use this voucher to open a Child Trust Fund account for your child. Then you – as well as your family and friends – can add up to a combined total of £3,600 a year to the account.

More information >

  • Award winning

    Winner of the Investment Life & Pensions Moneyfacts award for Best Child Trust Fund provider 2011.

  • Manage online

    Register to view the progress of your child’s account, receive statements online, and access extra features.

  • Experienced

    We’re the UK’s favourite Child Trust Fund provider with over 1.2 million accounts opened to date.

  • Trusted provider

    We've provided Child Trust Funds for high street names such as Barclays, the Post Office and Nectar.

  • For the child

    Any money paid into the account is a gift to the child. Only they can access it, and only when they are 18 years old.

Set up a Direct Debit between £10 and £19.99 a month when applying online to receive a £15 Boots voucher. DDs over £20 receive a £25 voucher.

Its aims

  • To provide a child with a tax-free lump sum at the start of their adult life which they can use to invest in their future.
  • Our stakeholder account aims to achieve growth by investing in a fund that currently holds both UK and overseas shares that closely follow the performance of a number of stock market indices.
  • Our Ethical Stakeholder account aims to achieve growth by investing in shares that closely follow the performance of the FTSE4Good UK 50 Total Return Index.

Your commitment

  • To open a Child Trust Fund account you must use the Child Trust Fund voucher provided by HM Revenue & Customs.
  • You, or anyone else, can choose to put an additional combined total of £3,600 a year into the account. You don't have to make any additional payments if you don't want to.
  • Any additional payments are considered a gift to the child and cannot be returned.
  • The money in the account can only be taken out by the child and only once they reach age 18.

The risks

  • Because the money is invested mostly in stocks and shares, its value can go down as well as up.
  • There is a chance that the child may get back less than was invested.
  • The tax advantages of Child Trust Fund accounts may change in the future. If this happens, the potential growth of the account may be reduced.

Eligible for a Child Trust Fund?

If your child meets the eligibility criteria, then you should have received a Child Trust Fund voucher. If your child has not received the voucher, contact the Child Trust Fund helpline on 0845 302 1470.

Child not born yet?

We can still help. Register your due date with us and we’ll send you information on other ways to invest for your child soon after birth.

Register your due-date

  • Apply online

    Start online application

  • Request an information pack

    Request info

  • Call our helpline

    0800 616 695

    9am-7pm weekdays and 9am-12 noon Saturday.
    Calls may be recorded and monitored for training purposes