Child trust funds
We are currently experiencing high volumes of calls
Please note, if you have been a registered contact on a Child Trust Fund account and the account holder has now turned 18, we will no longer be able to speak with you. We therefore urge the account holder to contact us directly.
If you are calling to check the status of your Child Trust Fund payment and have sent in a valid payment form with appropriate documentation, please allow 8 working days from your 18th birthday for payment into your account before contacting us for an update.
If you are calling in response to a letter we have sent advising we’ve rejected your instruction based on document certification, please be advised we can now accept certification from the Post Office, a Teacher or Lecturer, a Councillor, a Dentist or Doctor, a Minister of Religion or from a Notary. Please ensure that the certifier includes their full name, role, contact details and signature. Any documents received without valid certification will prevent payments being released.
Please also note we are now able to accept copies of bank statements providing they include the header and footer on the appropriate printed pages.
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.
Child Trust Fund
If you were born between the 1 September 2002 and 2nd January 2011 there is a possibility you were entitled to a Child Trust Fund (CTF). This is a long term, tax-free children’s savings account set up by the Government. The money was invested in a tax-efficient fund in the your name, and could not be withdrawn until you reached the age of 18.
The Child Trust Fund is invested in the RBS Stakeholder Fund that is managed by the experts at Coutts & Co.
Turning 18 soon?
If you're turning 18 soon, we’ll write to you 6 weeks before your 18th birthday with more information about the next steps. We will also provide you with a form that you can use to select your preferred maturity option.
Before selecting your option
- We can only accept an instruction from the account holder and can only pay the money into a UK current or savings account in the same name. You'll need to confirm your ID when selecting your maturity option.
- If you do not currently have an eligible account, you can set one up with most high street banks, building societies, credit unions and the Post Office.
- Before you decide where to put your money, we have provided some pointers which may help you decide which option works best for your circumstances.
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Unsure what to choose?
Whether you are looking to action a specific need or simply want the peace of mind that your finances are in good shape we offer a free financial health check to discuss your needs and goals.
If you would like to learn more about finances as well as financial wellbeing you can also visit our MoneySense page, where we offer a free financial education programme for 5-18-year olds. With fun activities, games and resources that help teach you about money.
Frequently asked questions
Get in touch
If your maturity date is approaching soon, you need to get in touch. If we've not heard from you at least 7 working days before the maturity date, we'll automatically transfer your CTF savings into our adult ISA.
Write to us
RBS Collective Investment Funds Limited, PO Box 915, Newport, NP20 9PF
You can call us on 0345 603 0313 - Relay UK: 18001 0345 603 0313.
The lines are open: Monday to Friday 9:00am – 5.30pm (excluding bank holidays) Calls may be recorded.
Additional information about your Child Trust Fund
- RBS Stakeholder Fund
Who was the Child Trust Fund for?
- For every child born on or after 1 September 2002 until 2nd January 2011, where the parent was eligible for Child Benefit
Quick fund facts
- Launched: 2005
- Currency: GBP
- Minimum investment: £50
- Management company: RBS Collective Investment Funds Limited
Useful information provied by HMRC: 10 things you need to know about Child Trust Funds (PDF, 91KB)
The objective of this fund to provide an increase in value over the long term. The majority of the return will reflect income received with some potential for capital appreciation.
This long term asset mix is made up of 55% Equity, 43% Bonds and 2% Cash. This fund is passively managed.
Closed to new customers however existing customers are able to make additional investments.
Check the performance of the Child_fund_name
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Download useful documents for this fund
Why not manage your Investment online
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: