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Child Trust Fund

We believe it's vital for every child to have the best possible start in life and that the financial support a Child Trust Fund (CTF) can provide when they reach 18 goes a long way to help achieve their goals.

While our Child Trust Fund is no longer open to new applications, if you have a CTF account with another provider, you can still transfer the account to us.

What is a Child Trust Fund?

Introduced as a Government saving scheme CTFs were intended to provide a child with a tax-free lump sum at the start of their adult life. The scheme was withdrawn in 2011.

The Government has announced that it is now possible to transfer CTFs into Junior ISA accounts. As an award winning provider of both products we welcome the opportunity for parents to make a choice.

Your child's CTF is in good hands

How does it work?

Although the Child Trust Fund scheme has been withdrawn, our CTF continues to run as normal and we remain committed to providing a high level of service until your child reaches age 18. You can invest from as little as £10 a month.

Any payment made into the account is a gift to the child. No one can access it except the child, and only from their 18th birthday – so you can be sure the money’s available when they really need it.

Good potential for growth

We invest in stocks and shares because we believe this is the best way to grow the investment. Then around the child's 13th birthday we start moving the investment away from shares and into lower risk investments like cash – this is called lifestyling.

Of course, while invested, its value can fall as well as rise so your child could get back less than is paid in.

Anyone can contribute

Anyone can make a payment into the child’s CTF account – parents, grandparents, family and friends – and can contribute up to a combined total of £4,080 each account year.

The CTF aims to provide the child with a lump sum at the start of their adult life which they can use towards anything – driving lessons, university or perhaps a deposit on a home.

Why choose our Child Trust Fund?

Great service – it’s easy to transfer from other providers and we do not charge a fee for transferring the account.

Easy to manage – 24/7 online account management and a friendly UK call centre makes managing your child’s CTF simple and convenient.

Tax-efficient – proceeds are free of income and capital gains tax, but remember the tax treatment of the CTF depends on individual circumstances and may change in the future.

Transferring a CTF to our Child Trust Fund

Transferring a CTF account from another provider to us is easy, and we won’t charge you. Simply follow the steps below and we’ll do the rest.

  • Read the Important Information booklets and Key Investor Information documents.
  • Choose between our Child Trust Fund and our Ethical Child Trust Fund.
  • Download and print the relevant form below.
  • Send the form to us at FREEPOST, RTHA-EHYB-ZTBL, Family Investments, 16-18 West Street, Brighton BN1 2RL.

Child Trust Fund transfer form »

Ethical Child Trust Fund transfer form »

Transferring a CTF to our Junior ISA

If you already have a CTF, either with us or another provider, and would like transfer it to our Junior ISA, simply follow the steps below and we'll do the rest.

Read our guide to Child Trust Funds and Junior ISAs »

Please note, we only accept CTF to Junior ISA transfers for the amount of £500 or more. Before making a decision to transfer, you should check if the current provider will charge a fee.

  • Read the Important Information booklets and, for our ethical Junior ISA, the Key Investor Information document.
  • Choose which account you want to invest in.
  • Read the Important Information about transferring Child Trust Fund accounts to Junior ISAs leaflets.
  • Call 0800 138 8310 and we'll send you an application pack in the post. Or download and print the relevant form.
  • Complete the form and send it to us at FREEPOST, RTHA-EHYB-ZTBL, Family Investments, 16-18 West Street, Brighton, BN1 2RL.

Before transferring to our Junior ISA, please make sure you read the relevant Important Information booklets. Our Junior ISA invests in stocks and shares, so its value can go down as well as up, meaning your child could get back less than is paid in.

For full details about our Junior ISA, application forms, information on how our Junior ISA has performed and the terms and conditions, please refer to our Junior ISA page.

Questions and Answers About Child Trust Fund Transfers

  • Can I have a Child Trust Fund and Junior ISA for the same child?

    • No, it is only possible to hold either a Child Trust Fund or a Junior ISA for one child. If you choose to transfer you must transfer the whole amount in the Child Trust Fund to the Junior ISA and the Child Trust Fund account will be closed.

  • My child already has a Child Trust Fund. Can I also open a Junior ISA in their name?

    • No. Your child cannot have both a Child Trust Fund and a Junior ISA. However, if your child already has a Child Trust Fund, you can transfer the account to open the Junior ISA.

      To transfer a Child Trust Fund, you must be the Registered Contact on the account. Before making a decision to transfer, you should check if the current Child Trust Fund provider will charge a fee.

  • Can I transfer money from a Child Trust Fund to a Junior ISA?

    • Yes, you can transfer a Child Trust Fund to open a Junior ISA, provided you're the Registered Contact on the Child Trust Fund account. As an award-winning provider of both products we welcome the opportunity for parents to make the choice.

      If you decide to transfer your CTF to a Junior ISA you will need to transfer the whole amount, the CTF will then be closed.

      Before making a decision to transfer, you should check if the current Child Trust Fund provider will charge a fee.

  • Is Family Investments still accepting Child Trust Fund transfers?

    • Yes. We continue to accept transfers to our Child Trust Fund from other Child Trust Fund providers and we do not charge a fee for transferring the account. Family Investments remains fully committed to the Child Trust Fund.

      Before making a decision to transfer, you should check if the current Child Trust Fund provider will charge a fee.

Why choose Family Investments?

Trusted – we've provided Child Trust Funds for high street names such as Barclays and the Post Office.

Experienced – we’re the UK’s favourite CTF provider with over 1.3 million accounts.

Award-winning – winner of the Investment Life & Pensions Moneyfacts award for Best Child Trust Fund provider 2011.

Working for you – many people have lost trust in financial institutions, but we're different. As a mutual, we're run for the benefit of our customers, not the benefit of shareholders.

Next steps

If you're an existing customer, you can register to manage your account online.

Register Now

It's quick and easy to make a payment into a Child Trust Fund