Child Trust Fund
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A tax-free way to save for your child's future
A head start for your child’s future with Baby Bond® from Lloyds TSB, in partnership with The Children’s Mutual.
Every child born on or after 1st September 2002 is eligible for a voucher of at least £250* from the Government to open an account under its new Child Trust Fund scheme. When your child is given a great start like this, you’ll naturally want to put it to good use.
That’s why Lloyds TSB, in partnership with The Children’s Mutual is offering the Baby Bond® Stakeholder Child Trust Fund account. Put the money to work for your child to make the most of it in years to come.
Contribute up to a further £1,200 a year
Any investment growth is free from income and capital gains taxes
Your child gets access to the fund when they turn 18
Click 'Apply' to open your account online or request an information pack.
If you have any questions, call us on 0845 602 0318***. 
Features & Benefits
The Baby Bond® Stakeholder Child Trust Fund account offers:
- a tax-free way to save for your child’s future,
- a stakeholder Child Trust Fund account invested in a fund holding stocks and shares,
- the option of contributing an additional £1,200 (maximum) each year, tax-free,
- the ability to deposit money into your child’s account using the bill payment function in Internet banking – just add ‘Lloyds TSB Child Trust Fund’ to your bill payment list,
- the experience and expertise of our Child Trust Fund partner The Children’s Mutual - specialists in children’s savings,
- receive a £20 Boots voucher** when you open an account and set up a Direct Debit for your child for £10 a month or more.
For more information take a look at the frequently asked questions.
Soon after you register for Child Benefit, the Government will send your child’s £250 Child Trust Fund voucher. Once you have received this voucher, you can apply to open your child’s Child Trust Fund account. As soon as your account is opened, the voucher will be invested on your child's behalf and you can start contributing to the account to help save for your child's future.
The value of the investment is not guaranteed and can go down as well as up. The investment can only be accessed by the child at age 18. Any additional money invested will be treated as a gift and therefore cannot be accessed by the parent or guardian at any point. Tax rules may be subject to change in the future.
How do I apply?
Online Now
Click 'Apply' to open your account online or request an information pack.
If you have any questions, call us on 0845 602 0318***.
Alternatively, If your child was born before the 1st September 2002 you may be interested in a Young Savers account.
