1. Overview

A Child Trust Fund (CTF) is a long-term tax-free savings account for children. All children eligible for a CTF account should now have one.

You can use the online form from HM Revenue and Customs (HMRC) to find out where your child’s CTF is held.

Child Trust Funds are closed to new accounts. You may be able to open a Junior ISA instead.

Eligibility

Your child was entitled if all of the following applied:

  • they were born between 1 September 2002 and 2 January 2011
  • you were paid Child Benefit for them for at least one day before 4 January 2011
  • your child was living in the UK
  • they weren’t subject to any immigration restrictions or it no longer applied before 3 April 2011

If your child is looked after by a local council

They got a CTF account if both the following applied:

  • they were looked after by a local council before 3 April 2011
  • they meet the other qualifying conditions above (excluding child benefit)

If you work overseas and get a European family benefit

Your child got a CTF account if all of the following applied:

  • they were born between 1 September 2002 and 2 January 2011
  • your child lived in the UK
  • you were paid a family benefit by another European Union country for at least one day before 4 January 2011
  • you worked in that same country

How it works

You can add up to £3,840 a year to the account. The money belongs to the child but can’t be taken out until they’re 18.

Your child could have got extra money paid directly into the account - if you were on a low income, for example.

There’s no tax to pay on the CTF income or any profits it makes. It won’t affect any benefits or tax credits you receive.

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