Child Trust Fund

Family sitting at a breakfast table looking at the NatWest Trust Fund

Child Trust Fund

The value of investments, and the income from them, can fall as well as rise, and you may not get back the full amount you invest. Any tax efficiencies referred to are those applying under current legislation, which may change.

For every child born on or after 1 September 2002 until 2nd January 2011, where the parent was eligible for Child Benefit, the Government issued a voucher worth at least £50 which could only be used to open a Child Trust Fund (CTF).

The money was invested in a tax-efficient fund in the child's name, and cannot be withdrawn until the child reaches age 18.

Dad managing his investment online with daughter on his lap
Add your signposting title here… Managing your investment

You can top up a Child Trust Fund and update your details online.

If you have not yet registered to use this service you can do so by clicking below. 

Manage your investment

Frequently Asked Questions


Icon expand Can I add funds to a Child Trust Fund?

Although no new Child Trust Funds can be opened if you have an existing account with us you can add to it. There are a number of different ways to make additional contributions into a Child Trust Fund by you, friends or relatives. Whichever option you choose, you should be aware:

  • that once the money is invested it becomes the property of the child and cannot be withdrawn until the child reaches 18,
  • you can invest lump sums by cheque or standing order of amounts of £10 or more,
  • you can invest a regular monthly amount from £10 a month,
  • the maximum amount that can be saved each year is £4,260. A year starts on your child’s birthday and runs to the day before their next birthday. 

Icon expand Is the money at risk?

Your child’s savings are invested mainly in the stock-market so your savings have more potential to grow. However, please bear in mind the value of the fund may fall as well as rise and returns are not guaranteed.


Icon expand How is the money invested?

The investment offers lower risks than investing directly in shares – because the fund spreads your child’s investment across equities, bonds and cash. 


Icon expand Can I open a Junior ISA as well as a Child Trust Fund?

A child cannot have both a Child Trust Fund and a Junior ISA, but Child Trust Funds can now be transferred to Junior ISAs. To speak to our Junior ISA team, please call us on 0345 603 4047.

If you have any questions including how to add funds or the charges applicable please contact us. For more information please read the full Key Investor Information Document (KIID) (PDF, 43KB) and Supplementary Information Document (SID) (PDF, 185KB)

Get in touch

Call us on 0345 603 0313.

The lines are open: Monday to Friday 9am – 5.30pm (excluding bank holidays) Calls may be recorded.

You can write to us at:

RBS Collective Investment Funds Ltd, PO Box 915, Newport, NP20 9PF

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