Child Trust Fund Top Ups

A little boost

For your little
(or not so little) ones

Sometimes you might find yourselves with a little extra money that you want to add to your child’s Child Trust Fund. There are a number of easy ways to top up their plan.  What better way to make a difference to their tomorrow, today.

Pay in up to


Top up from


per month

Friends and
family can





to grow their savings

If your child or grandchild has a Child Trust Fund with us, then you can top it up at any time. It’s the perfect place for that Christmas and Birthday money to potentially work harder for them.

A little thank you for a big decision

There’s more good news. Top up your Child Trust Fund with £500 or more and we’ll send you a free Junior Forrie Bear once the payment has been received.

Terms & conditions apply

Why top up their child trust fund?

You can pay in £9,000 in the current tax year.

Your money is invested in our With Profits fund, which has performed consistently well vs. comparable funds. It has the potential to grow thanks to annual and final bonuses. (Source: Barnett Waddingham Survey Dec 2019)

Make top ups from as little as £5 a month, or one off payments from £50. When your child turns 18 they’ll get back at least everything you’ve paid in, plus any bonuses that may have been added. That’s our guarantee to you.

Friends and family can top up too. It could be the perfect place for Birthday and Christmas money!

Sarah, Reading

“Thanks to the generosity of Foresters Friendly Society, I received an Educational Award grant, which allowed me to purchase literature for my course, together with assisting with my accommodation costs whilst at University. The grant has provided a financial benefit towards my continued ambition of becoming a primary school teacher.”

Read More

Common questions

Can I still open a Foresters Friendly Society Child Trust Fund?

Child Trust Funds are no longer available to open and were replaced by the Junior ISA. But on the plus side, we do offer other saving plans which can be used to save for your child’s future. They’re our Junior ISA and our Child Tax Exempt Savings Plan.

It’s still possible to transfer an existing Child Trust Fund or Junior ISA into a Foresters Friendly Society Junior ISA, simply select the Transfer option when applying online for the Junior ISA, then print and return the Transfer form provided to us by post so we can process your transfer request. If you would prefer to do this solely by post, please call us on 0800 988 2418 so we can send the forms you’ll need.

Can I transfer an existing Child Trust Fund or Junior ISA to Foresters Friendly?

We no longer accept transfers into our Child Trust Fund. However, we provide a Junior ISA so it is possible to transfer an existing Child Trust Fund or Junior ISA into a Foresters Friendly Society Junior ISA. You can find more information here. Once you’ve made your application and provided details of the policy to be transferred, we will manage the transfer on your behalf.

What alternative saving plans to the Child Trust Fund do you have?

We provide a stocks and shares Junior ISA. This is pretty similar to a Child Trust Fund and you can pay in £9,000 over the current tax year. Then there’s the Child Tax Exempt Savings Plan, only available through Friendly Societies. This is a tax efficient savings plan that allows you to pay regular premiums of £25 a month into the plan for a fixed term. This means that you decide when you want the plan to mature for your child or grandchild (after the child’s 16th birthday and subject to a minimum term of 10 years).

Is there a limit on the amount of top ups I can make?

Yes. The maximum you can top up for the current tax year is £9,000.

If you want to pay in more than £9,000 per year, our Child Tax Exempt Savings Plan can be taken out as well as a Child Trust Fund to further maximise the child’s savings.

Can my child access the money in their Child Trust Fund before they reach 18?

No. The Child Trust Fund is designed to offer a financial head start when the child becomes an adult by providing a cash payment when they turn 18 years old. Only in exceptional circumstances can they get their hands on the money. There are further details within the plan conditions which you will have received when you opened the Child Trust Fund.  If you have misplaced these, please call us on 0800 988 2418 and we will answer any questions you may have.

What is the guarantee when the Child Trust Fund matures when the child turns 18?

When your child turns 18 they’ll get back at least everything you’ve paid in, plus any bonuses that may have been added. That’s our guarantee to you.

Can I have access to the money?

No, the only person who can access the money in the Child Trust Fund is your child. And even then it’s locked away until they’re 18.

Do I have control over the money?

You control the Child Trust Fund until your child reaches 16. From 16 onwards, your child can control the Child Trust Fund if they wish to.

Where is the money invested?

The money you pay into the Child Trust Fund is invested in Foresters Friendly Society’s consistently well performing with profits Order Insurance Fund, with the Ethical Child Trust Fund only being invested in the ethical section of our fund. We never forget it’s your child’s money, so we take extra good care of it. The money is spread across a number of different types of assets that may include property, UK government bonds, equities and cash. If the return from any one particular asset type is poor, the investment may be protected from the full impact of this fall as other assets may perform better.

How can I be confident you’ll invest my money responsibly?

As a friendly society, it’s particularly important to us that our investments are managed in an ethical and responsible way. Foresters is a signatory of the Principles for Investment (PRI) which demonstrates our commitment to responsible investment, to reducing our impact on the environment and mitigating climate change risk in our investment portfolios.

When you open a plan, you can be confident that investing with us means your money will be invested in a trustworthy and environmentally conscious way. The PRI is the world’s leading supporter of responsible investment and promotes a better understanding of the investment implications of environmental, social and governance (ESG) factors.

Find out more about the 6 PRI principles we have signed up to here.

What interest does the plan pay?

The Child Trust Fund does not pay interest. Instead, by investing the money you pay into the plan into our with profits Order Insurance Fund we provide the potential for growth by way of bonuses. The better the fund does, the higher the bonuses your child could potentially receive. Any profits generated by our fund are used to add an annual bonus and possibly a final bonus when the plan reaches the end of its term.

We have paid annual bonuses on our Child Trust Fund for the past 13 years and although we can’t guarantee that we’ll pay a bonus every year in the future, we can guarantee that your child will get back what has been paid in plus any previous bonuses that have been added to the plan.

  • In 2020 the annual bonus rate was 1.50%

The annual bonus is applied to the amount you have invested in your child’s Child Trust Fund to date plus any previous bonuses that have been added.

The addition of any bonus is not guaranteed. To find out more about the addition of bonuses and how we manage our fund please read our Principles and Practices of Financial Management (PPFM).

Added value for your child – Foresters Extras

With a Child Trust Fund your child is part of the Foresters Friendly Family, and can enjoy some wonderful, unique benefits including discretionary grants to help with the cost of higher education and to support life’s ups or downs.

Find out more

Three ways to top up your child trust fund



Set up a regular monthly direct debit, or make a one-off, secure payment from your debit card. Top up online now.


By phone

Call us on 0800 988 2418 and we can set up a regular monthly direct debit, or take a one-off payment from your debit card over the phone.


By post

Download the Child Trust Fund Top Up Form and either complete the Direct Debit instruction, or attach a cheque for the lump sum contribution amount, then send it back to us and we will do the rest for you.



Ready to get started?


call 0800 988 2418

OR Download a top up form

We’re here if you need help or have any questions

If you’re a little stuck and need help, please get in touch. Our UK based team can help to make things as smooth and easy as possible (lines are open Monday to Friday 9 am to 5 pm).

Call free on 0800 988 2418