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Benefits Budgeting & Saving Child Trust Fund Debt & Credit

What is a Child Trust Fund?

Child Trust Funds were introduced by the UK Government in 2005. Accounts were opened for almost 6 million children born in the UK between 1st September 2002 and 2nd January 2011.

The Child Trust Fund was meant to:

  • make sure that every child has some savings by their 18th birthday
  • help get into the habit of saving
  • teach the benefits of saving
  • help understand personal finance


If your parents/guardians didn’t get around to opening your account by your first birthday, then the HMRC (responsible for tax, payments and customs) did it for you.

If you are aged 16 or over, you can decide where this money is invested.

If you are aged 18 or over, you can access the money.

If you think you might have money in a Child Trust Fund, you could try speaking to a trusted adult or contacting us on the Meic helpline. 

You could also try some of these services for information or support:

Child Trust Fund flyer
Welsh Government
Find your lost Child Trust Fund
ShareFound
Easy Read flyer
Welsh Government
Find a Child Trust Fund
GOV.UK

We have lots of blogs on Meic. These are some of the ones that look at Child Trust Funds:

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