Only when you reach 18 are you able to make an election on your account. From your 18th birthday, your Child Trust Fund will turn into a matured CTF account, meaning it will have the same benefits and charges as before, but it will be closed to any new investment. The matured CTF will remain the same as before until you tell us what you want to do with your investment.
One of the things you’ll need to do when you make an election is prove your identity and where you live. This is an important step to make sure that we know who you are and that only you have access to the funds that have built up for you. You can’t take money out of, or add money into, an account until you’ve done this.
You may also want to send us proof of your bank details. This allows us to make future withdrawals directly into your bank account and/or set up future regular investments from that account.
If you haven’t already done this, you can find more details here.