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Claim your HMRC Child Trust Fund 

Information on what a Child Trust Fund is and support on how to access this account.

Who is a Child Trust Fund (CTF) for?

A CTF is a long-term tax-free savings account for children born between 1 September 2002 and 2 January 2011. The money belongs to you and you can only take it out when you turn 18.

If you’re not able to contact them immediately after your 18th birthday don’t worry, they will keep your investments safe in a protected account until you tell them what you want to do with your money.

The Share Foundation have developed some resources for those supporting young people to use to help increase awareness of the Child Trust Fund. Find out more on their website here.

Why is this important?

A recent article from the BBC found that ‘Nearly a million accounts not accessed’ and:

“According to MPs, poor planning by HMRC, a lack of engagement with account holders and barriers accessing savings meant that many from low-income backgrounds were missing out.”

It’s important for you to check if you are eligible to claim this money as you are entitled to it and it was designed to give young people a boost for their future.

If you need help or advice, please call our Care Advice Line on 0800 023 2033 or email us at [email protected]. We are open Monday-Friday 10am-5pm.


In an ongoing cost of living crisis, our young people need every bit of support we can give them. HMRC still has time to make sure that CTFs are given the chance to be the boost to young people's futures which they were designed to be.

⎯⎯ PAC chair Dame Meg Hillier

Claim your HMRC Child Trust Fund

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