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Child Trust Fund FAQs

  • 9k

    9000 Child Trust Funds are held on EQi

  • 18th

    Your Child Trust Fund will mature on your 18th birthday

  • 3

    Three choices: Continue investing, take the cash or mix and match

Investment Risk Warnings

The value of investments can fall as well as rise and any income from them is not guaranteed and you may get back less than you invested. Past performance is not a guide to future performance.

EQi does not provide investment advice. If you are in any doubt as to the risk or suitability of an investment or product you should seek advice from an independent financial adviser.

The extent and value of any ISA tax advantages or benefits will vary according to the individual's circumstances. The levels and bases of taxation may also change.

Managing your maturity

  • What is a CTF?

  • When does my CTF mature?

  • What are my options when my CTF matures?

  • What if I don’t provide instructions for my CTF?

  • If I want to keep investing, what accounts can be used when coming out of a CTF?

  • What annual allowance limits apply when coming out of a CTF?

  • What if I am not ready to manage my account yet?

  • What if I want to transfer my CTF out to a different provider?

Providing instructions 

  • How do I give instructions for my CTF before it matures?

  • When are my CTF maturity instructions due?

  • Can I change the instructions once they are sent?

  • What if I miss the deadline to send the CTF Maturity Instruction form?

  • What am I able to do with my CTF balance at maturity if I live overseas?

  • Insights

    Top tips for teenagers receiving a CTF windfall

    Don't panic - and don't spend it all at once

On your birthday

  • What happens on my birthday?

  • I have chosen to take cash, when will I be paid?

  • If I open an account will I use the same log in details as my CTF?

  • When can I access my new EQi investment account?

  • What happens if I discover I have a CTF after it has matured?

  • If my CTF account matures, will my regular instructions continue?

  • Your IQ, your EQi

    You’ll find EQi is the home of intelligent investing.

    From new investors to customers who are now ISA millionaires, EQi is committed to supporting investors at every life stage.

    We provide market news and features so you can develop your approach to investing, back yourself and make adjustments as your goals change.

    With EQi, you know what’s possible when you put your mind to it.

For parents and guardians: managing your child’s maturity

  • What’s the first step in managing your child’s CTF maturity?

  • Can I make any further contributions before the CTF matures?

  • If the CTF has a negative cash balance, what should I do?

  • My child’s account is locked, how do I unlock it before maturity?

  • When is the last time I can access my child’s CTF account?

  • If my child opens an investment account after their CTF matures, can I make contributions to it?

  • If my child opens an ISA after their CTF matures, can I make contributions to it?

  • Contact us 

    If you have further questions, please get in touch via via secure message or email

    You can also call us on 0345 0700 720 , 08:00 to 17.30, Monday to Friday, excluding bank holidays.