It's quick and easy to top-up a child's account!

Choose from the options below in order to top-up an account. Please remember that money paid into a Junior ISA or a Child Trust Fund will remain there until the child is 18, when only they will be able to access it. If you are investing in a stocks and shares Junior ISA or a stakeholder Child Trust Fund, do note that the value of the account could fall as well as rise, and the child could receive back less than was paid in.

Top-up a Junior ISA

You can pay into a Junior ISA by monthly or one-off Direct Debit up to a total of £3,600 this tax year (6th of April to the following 5th April). All you need is the child's account number and date of birth. This limit will be reduced if payments are being made into a cash Junior ISA. Please note that it can take up to 14 days for a Direct Debit to be collected, so please ensure you leave enough time prior to the end of the tax year for the payment to be received.

Top-up a Junior ISA

Top-up a Child Trust Fund

You can pay into a Child Trust Fund by monthly or one-off Direct Debit up to a total of £3,600 this account year. All you need is the child's account number and date of birth. An account year runs between the child's birthdays. Please note that it can take up to 14 days for a Direct Debit to be collected, so please ensure you leave enough time prior to the child's birthday for the payment to be received.

Top-up a Child Trust Fund

Other ways to Top-up…

For parents - register for Online Account Management

Are you the Registered Contact for a Junior ISA or CTF? Take greater control of your Direct Debits by registering to manage the child's account online.

Save your bank details for future use, make one-off and regular payments and increase or decrease existing payments.

Register now


Login to top-up



Top-up by telephone

You can set-up a monthly or one-off Direct Debit over the phone.

Just call our Customer Service team on 0844 8 920 920 and they'll be happy to arrange your payment.

Open 9am to 7pm Monday to Friday, and 9am to midday Saturday. Calls may be recorded and monitored for training purposes. Calls cost 13p plus 3p per minute from a BT landline (correct at 30/12/11). The cost of non-BT landline calls may differ.



Top-up by cheque

Send a cheque made payable to Family Equity Plan Ltd (or made payable to the child) to:

Family Investments Children's Savings and Investments
FREEPOST BR2206
Brighton
BN1 2BR

On the reverse of the cheque, please write the child’s name, date of birth, account number and your name and address.



Top-up by Telephone/Internet Banking

You'll need the following information to do this.

 Type of account Sort Code   Account number
 Stakeholder Child Trust Fund 60-00-01 36238007
 Cash Child Trust Fund 60-00-01  39495876 
 Junior ISA 60-00-01 36238007

Please use the child's account number as a reference. The format should be C00012345K, K00012345B or J00012345A.

Important: if you provide an incorrect reference, for example the wrong account number, the payment will be rejected or could be applied to an incorrect account. It may also mean that we are unable to return any money that has been paid in.



Unfortunately, we do not accept cheques or cash paid over the counter at a bank, building society or Post Office.

Please remember that if the end of the account year is approaching (this is from the child's birthday for CTF accounts, and the tax year for Junior ISAs) and you wish to take full advantage of their current year’s allowance, you should take extra care to ensure that your payment reaches us in time.

We cannot accept payments from overseas bank accounts. If you are living overseas and do not have a UK bank account, please call our international customer service number.

Invite family & friends to top-up

If you are the Registered Contact you can email family and friends an invite to top-up your child's account online by Direct Debit.

All you have to do is choose which email you want to send, enter the addresses you want to send it to, and we'll do the rest!

Junior ISA invite >

CTF invite

We've teamed with KidStart to give you a fresh way to pay money into a child's CTF account, helping it to reach its full potential.

KidStart is simple, and free to sign-up to. Just register online and KidStart will save a percentage of anything you spend through one of their retailers (such as Boots, Mothercare and John Lewis) into your 'Kiddybank'. You can tell KidStart which account you then want that money to go into.

Visit KidStart to find out how you can start saving for your child while you shop