If your investments fall in value, you could lose money. Tax allowances and the benefits of tax-efficient accounts could change. 

Child Trust Fund

Child Trust Funds have been superseded by Junior ISAs, however there are plenty of reasons to transfer existing ones to us.

Child Trust Fund benefits

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No ‘transfer in’ fees

We won’t charge you to transfer a Child Trust Fund to us.

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A choice of accounts

Choose and manage your child’s investments or grab a ready-made package.

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Invest up to £4,260 this tax year

The annual Child Trust Fund limit is set by the government.

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No Capital Gains Tax or further Income Tax to pay on profits.

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A head start in adult life

Money cannot be withdrawn before your child reaches 18.

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Easy transfer

Simply complete and return a transfer form.

A Child Trust Fund to suit you

We offer two types of Child Trust Fund:

Child Investment Account

A non-stakeholder Child Trust Fund where you’re in control of choosing, buying and selling your child’s investments.

CTF Stakeholder Account

A hassle-free investment package where experts handpick and manage your child’s investments for you. All money paid in will be invested in the Aberdeen UK All Share Tracker fund, which buys shares across a range of different UK companies to track the performance of the FTSE All-Share Index.

Child Trust Fund costs

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Child Investment Account
CTF Stakeholder Account
Annual admin fee 0.5% + VAT (min £10) 1.25% + VAT
Purchase commission £7.50 per deal for trades less than £750, 1% for £750 and above -
Sale commission £7.50 per deal for trades less than £750, 1% for £750 and above £7.50 per deal for trades less than £750, 1% for £750 and above

Other dealing fees

Stamp Duty Levy 0.5% on the purchase of UK shares (excluding AIM and other recognised growth markets). Other rates may apply to non-UK shares.
PTM Levy £1 on transactions over £10,000
Foreign Financial Transaction Tax Tax Payable on the purchase of specific European shares (charge varies by country)

Optional services

Frequent dealing option (£7.50 per deal) £24 per quarter
Regular investing 0.5% (min. £1, Child Investment Account only)
Dividend reinvestment 0.5% (Child Investment Account only)


Bounced cheque or unpaid Direct Debit £25
Deceased customer account administration £50

Payment of charges

The annual account admin fee is charged quarterly, based on the account value on or around 5 January, April, July and October. The account admin fee for the Stakeholder Account includes the Fund Manager’s admin fee and Annual Management Charge.

What interest will be paid on cash?

Gross interest on any cash you hold will be credited to your account quarterly at the Bank of Scotland base rate, minus 3.5% (min. 0%). We may retain the difference between the interest paid to you and the interest we are able to earn, as permitted by The Financial Conduct Authority.

Why invest with us?

Safe & secure

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As one of the UK’s leading stockbrokers, we are authorised and regulated by the Financial Conduct Authority (FCA).

Tips and tools

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Our comprehensive range of investment tips and tools make it easy to choose and manage your investments.


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We’re proud to be regularly recognised by industry awards for our outstanding customer service.