Child Trust Funds
Who is entitled to a CTF account?
Your child is entitled to an account if all of the following apply:
Payment Protection Insurance
your child was born between 1 September 2002 and 2 January 2011
you were paid Child Benefit for that child for at least one day before 4 January 2011
your child lives in the UK
your child is not subject to any immigration restriction
Your child could be subject to an immigration restriction if they were born outside of the European Union (including on a military base) to non-British parents.
If you haven’t already made your claim for Child Benefit, don’t delay. Your claim can only be backdated by up to three months.
How to claim Child Benefit
If your child isn’t entitled to a CTF, other tax-free savings accounts are available, including the new Junior ISA. This is a long-term savings account for children under 18 who don’t have a CTF account.
Junior ISAs
Children’s savings schemes and accounts
Your child is looked after by a local authority (health trust in Northern Ireland)
Your child may still be entitled to a CTF account if both of the following apply:
your child was looked after by a local authority before 3 April 2011
your child meets the other qualifying conditions for getting a CTF account
If a local authority started to look after your child before you claimed Child Benefit, your child can still get an account, as long as they meet the other qualifying conditions.
Payment Protection Insurance
You work overseas and have been getting a European family benefit
Your child may still be entitled to a CTF account if all of the following apply:
your child was born between 1 September 2002 and 2 January 2011
your child lives in the UK
you were paid a family benefit by another European Union country for at least one day before 4 January 2011
you work in that same European Union country
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