Paying into a Child Trust Fund Account

Anyone can pay into a Child Trust Fund. By adding to the account, friends and family can be part of a gift that could contribute to their future. It’s important to remember that any money paid into the account is a gift to the child and cannot be returned to the payer.

You can stop, start or change your payments at any time. Payments must remain within the Government’s annual CTF allowance. You can find this on our website:

You can see the different ways to contribute to one of our CTF accounts below.


Make A One Off Payment

You can make a one-off lump sum payment into the account either by bank transfer, by cheque or by card over the phone. The minimum lump sum you can send is £10.

Online banking

You can make a payment through online banking using the following details:

Account Name: Kingston Unity

Sort Code: 60-60-05

Account Number: 45941084

Reference: Please use the child’s URN as a reference. You can find this on a recent CTF statement or within the documents you received when the account was opened.


Cheques can be made payable to Kingston Unity plus the child’s first and last name. Include the child’s URN (You can find this on a recent CTF statement or within the documents you received when the account was opened.) on the reverse of the cheque and send it to:


Over the phone

You can make a payment by card over the phone. Give us a call on 01924 240 164 and we will help you with this.

Set up a regular payment by Direct Debit

If you would rather pay a regular amount into the account, you can set up a Direct Debit from a minimum of £5 per month. We cannot accept payments from overseas bank accounts. If you are living overseas and do not have a UK bank account, please call the team on 01924 240164.

If you’d like to do this, you will need to complete our CTF gift form, which you can download using the link at the bottom of this page. Once you’ve completed it, you can return it to Freepost KINGSTON UNITY.

Please Note: You must confirm you have read the key facts, before downloading this document.

Key Facts about our services and costs

1. The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. This document is designed by the FCA to be given to consumers buying certain financial products. You need to read this important document. It explains the service you are being offered and how you will pay for it.

2. Whose products do we offer?

We offer products from the whole market

We only offer products from a limited number of companies

We only offer our own products

3. Which service will we provide you with?

We will advise and make a recommendation for you after we have assessed your needs.

You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

We will provide basic advice on a limited range of stakeholder products and in order to do this we will ask some questions about your income, savings and other circumstances but we will not:

  • conduct a full assessment of your needs;
  • offer advice on whether a non-stakeholder product may be more suitable.

We can only offer products from Kingston Unity Friendly Society. These products will enable you to:

  • protect yourself and your loved ones in the event of death
  • save and invest with the added benefit of protecting yourself and your loved ones in the event of death
  • provide benefit cover in the event of sickness

4. What will you have to pay us for our services?

Normally, if you buy a financial product direct from us, there will be no payments such as commission or fees payable. If there are any commission or fees payable, we will tell you how we get paid and the amount before we carry out any business for you.

5. Who regulates us?

Kingston Unity Friendly Society, 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and .the Prudential Regulation Authority. Kingston Unity Friendly Society’s FCA Registered Number is 110056.

Kingston Unity Friendly Society permitted business is advising and arranging life assurance and pensions business.

You can check this on the FCA’s Register by visiting the FCA’s website or by contacting the FCA on 0845 606 1234.

6. What to do if you have a complaint

If you wish to register a complaint, please contact us:
…in writing Write to Kingston Unity Friendly Society, Complaints Department, 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ. …by phoneTelephone (01924) 240164

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

7. Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Most types of insurance business are covered for 90% of the claim with no upper limit.