Child trust funds

Government money to give your children a head start

Was your child born on or after 1 September 2002? Are you are eligible for Child Benefit? Then you'll receive a Government voucher for at least £250.

The Royal Bank of Scotland are proud sponsors of the MidWife of the Year Awards. Give you child a brighter future – invest in a Royal Bank of Scotland Child Trust Fund.

The MidWife of the Year Awards are organised by Mamas & Papas and supported by Prima Baby. The awards have been set up to recognise and celebrate the very best midwives in Britain. The awards are held annually in October.


What you need to know

Child Trust Funds were set up by the government as a way of encouraging parents to save for their child’s future. RBS were one of the first providers to launch a Child Trust Fund and recognise this as a key part of financial planning for your children’s future. Our Child Trust Fund was developed to provide the opportunity for higher growth than that of a traditional savings account but also taking into account the need to balance any risk to your child’s funds.

The RBS Child Trust Fund Stakeholder Account

We've teamed up with Morley Fund Management, one of the UK's largest Fund Managers, to provide The RBS Child Trust Fund Stakeholder account. Please note: Morley Funds are equity-based and values may fall as well as rise.

  • Top up for big benefits - invest an extra £10 (or more) every month, and you could make a big difference to the fund's value
  • Access - your child can only access the money when they turn 18. Once money is paid in, it can't be withdrawn until that time.
  • Act fast - if you don't invest your voucher, it will expire and the government will invest the money on your behalf with a provider of their choice.
  • Potential for growth - the Royal Bank of Scotland Child Trust Fund offers a balanced investment in stocks and shares. It's a stakeholder fund designed for long-term gains. Values may fall as well as rise and returns are therefore not guaranteed
  • Investment expertise - the fund is managed by Morley Fund Management, one of the UK's leading fund managers

Find out more

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Child Trust Fund accounts can only be opened by the person with parental responsibility who is 16 years or over.

Some information in this leaflet may not apply to the Isle of Man, the Channel Islands or Gibraltar.

* Calls may be recorded. Text Direct users can call us on 0845 604 4500.

The Child Trust Fund is provided by RBS Collective Investment Funds Ltd. Registered in Scotland No SC46694 Registered Office: 42 St Andrew Square, Edinburgh EH2 2YE. Authorised and regulated by the Financial Services Authority.

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