Child Trust Fund (CTF)Child Trust Fund (CTF)

A Child Trust Fund (CTF) account is one of the best ways to ensure that your child, grandchild or great-grandchild has a good financial start in life. For instance, it could come in handy for studies, travel abroad or towards a deposit on a first home.

Northern Bank is pleased to introduce Family Investments to provide their Child Trust Fund accounts.
The aim of this Child Trust Fund Account is to:

  • Provide the child with a tax-free lump sum at the start of their adult life which they can use to invest in the future
  • Achieve growth by investing in a fund that mainly holds shares along with some fixed interest investments, both in the UK and overseas.

 
Child trust fund
If you are looking for somewhere to invest your child's £250 voucher from the Government's Child Trust Fund initiative, then get your child's savings off to a flying start with the Family Investments Child Trust Fund Account.

Children born on or after 1 September 2002 and up to 2 January 2011 and who are eligible for child benefit and are resident in the UK, should qualify for a Child Trust Fund account.  

Children born on or after 1 September 2002 and up to 1 August 2010 received a £250 voucher and children born on or after 2 August 2010 and up to 2 January 2011 received a £50 voucher.

If you have not already done so, you can still open a Child Trust Fund up until the expiry date of the voucher.

  • A maximum of £1,200 can be added to the account each year by parents, family or friends.
  • The account is tax-efficient as returns are free from income tax and capital gains tax.  Please remember tax advantages depend on individual circumstances and may change in the future.
  • Payments can be made by Direct Debit, bank transfer, standing order and cheque.
  • All the money invested in the account belongs to the child named, and only the child can access it (and only once they are 18).

 Please read more information in Details and Prices and conditions.

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