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Natwest Child Trust Fund (CTF) Reviews

Natwest Child Trust Fund (CTF) Reviews

For more Reviews please click here.

Average Golden EggNest Ratings from 13 reviews and 4 Comments
(3 out of 5)

Natwest Child Trust Funds ReviewsNatwest Child Trust Funds ReviewsNatwest Child Trust Fund (CTF) Reviews

Website: www.natwest.com
Good Points: 
Bad Points: unfriendly satff, hard to read statments
First reviewed on 26 June, 2009 by Sara
Lisa's Golden EggNest Rating (3 out of 5): Natwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) Reviews

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Website: www.natwest.com
Good Points: 
All done by post. receive letters once a year explaining what has been added to the fund. The letters are clear and concise
Bad Points: Lack of ease for adding to the account. A paying in book would help.
First reviewed on 25 June, 2009 by Lisa
I opened the account when my son was a few months old. I found that I was overwhelmed with information from all the financial bodies on the products that were on offer. The offer that was sent through from the Nat West was clear. It explained things that made sense to my sleep deprived brain so for me it seemed the obvious choice. We were able to set up a direct debit each month to add t o the account and the statement information is clear. The downfall on the fund is the ability to add payments to it, this is not an easy process and with each annual statement we have been supplied with 1 paying in slip. This is not that user friendly and could encourage the consumer into opening other accounts for their child.
Lisa's Golden EggNest Rating (4 out of 5): Natwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) Reviews

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Website: www.natwest.com
Good Points: 
Staff were very friendly and helpful, easy to fill out brochure
Bad Points: cant be completed in branch, a form has to be filled in and sent off to get the account open.
First reviewed on 24 June, 2009 by Rachel
Staff in Natwest are exteremely friendly and were very helpful when opening the child trust fund account, they knew all the relevent information without needing to check and even filled in the forms for me so i didnt have to do anything myself.Everything was in one brochure so if i hadnt of had time i could have easily worked out what to do and the information is in easy to read language. I received confirmation quite quickly once it was opened and they even send a booklet of special offer vouchers worth £250 and anyone can pay money in friends/relatives etc. I also set up a payment for £10 a month to go in. Overall i am impressed with Natwests child trust account and will shop there agin as the service was second to non
Rachel's Golden EggNest Rating (5 out of 5): Natwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) Reviews

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Website: www.natwest.com
Good Points: 
Absolutely great!!! The staff are so friendly, as is it simple to use. Even I understand it!!! Ha ha ha. 
Bad Points: There is none, except first figuring it out but as soon as that's understood, it's as easy as pie.
First reviewed on 19 June, 2009 by Jo
I've had a child trust fund for my little one, Joe since he was just a couple of weeks old. I am a firm believer that saving up for our children whilst they're young will help them progress when they reach teenage or older. The staff are friendly and very helpful, they explain step by step making it easy to understand, even to those computer illiterate... Me!!! Okay, it took me a little while to grasp the idea at first, as computers, isa's and trust funds simply go over my head with jargon, but now, thanks to the advisors, I can even work it out and understand on my own with so much ease. I would definately advise my friends and family to go for it, too. Thanks.
Jo's Golden EggNest Rating (4 out of 5): Natwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) Reviews

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Website: www.natwest.com
Good Points:
quick and friendly service, easy to fill application form
Bad Points: ong time for statment to come
First reviewed on 05 May, 2008 by Agnieszka
I found Nat West child trust fund account really easy to open and manage, staff at Nat West were really friendly and helpful, i recieve monthly statments, very easy to set up direct debit to keep putting money in, application form was simple and easy to fill.
Agnieszka's Golden EggNest Rating (5 out of 5): Natwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) Reviews

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Website: www.natwest.com
Good Points:
easy to understand information, easy forms to fill in an just like my banking so understandable.
Bad Points: not very clearly defined use of money once its in the fund.
First reviewed on 04 May, 2009 by Melanie
overall good but not too happy with performance of money.
Melanie's Golden EggNest Rating (4 out of 5): Natwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) Reviews

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Website: www.natwest.com
Good Points: 
I have had no problems with this account. The staff are always helpful and friendly. During the recent decline my childs savings have taken a smaller hit than I expect.
Bad Points: None
First reviewed on 30 April, 2009 by Theresea
I have two Childrens Trust Funds currently with Natwest. I don't currently back with Natwest myself, but I have experience with a number of the larger high street banks and I will be changing my bank to join the Childrens at Natwest as soon as possible. I have found the staff to be helpful and friendly.
The information was readily available in regards to the child trust funds and all the information was easy to understand.
I would recommmend anyone to use Natwest for their childrens future.
The forms to fill in for the childrens accounts were easy and simple.
Theresea's Golden EggNest Rating (4 out of 5): Natwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) Reviews

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Website: www.natwest.com
Good Points:
See Below
Bad Points: there were no bad points
First reviewed on 13 Sep, 2008 by Catherine
II decided to apply for my child trust fund online via the Nat West website,which i found easily via a search engine. i just had to put a few details on the site ie name and address and recieved the paperwork within three working days, once i had filled the paperwok in which again was very straightforward and easy to fill in i sent my trust fund voucher and the paperwork off via freepost and the account was opened within a week or so, with all the pack and certificate sent to me, overall a very plesant and easy experience and if i had any other children i would deffinatly do this the same way.
Catherine's Golden EggNest Rating (4 out of 5): Natwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) Reviews

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Website:  www.natwest.com
Good Points: 
Fast Customer Service
Bad Points: a Non-stakeholder Savings account for the CTF is not available
First reviewed on 03 June, 2008 by Amit
I opened a CTF and a deposit account called Young Saver for my daughter. I already bank with Natwest, so it was a obvious to also open her the CTF and Young Saver account there.  The good points were that for the deposit account I could do it over the internet in about 5-10 minutes. Once entered, I waited for a response which came back in about 4 business days later. I took the forms that I received in the mail, signed them and brought my daughter's birth certificate to a branch which they made a photocopy and basically it was open there and then. Don't forget to sign a R85 form to be exempted from taxes on interest that the account generates. It doesn't matter if you work, the account is still interest tax exempt because your child is exempted.   For the CTF it was quite different, I had to mail it in with the CTF Voucher and it took about 2 weeks. The bad point that I had with the CTF at Natwest was that my wife and I would have prefered to put it in a Non-Stakeholder SAVINGS account instead of a Stakeholder Shares account. Unfortunately Its not offered at Natwest. I don't know why? They just don't offer it.  In any case you get vouchers/coupons back from Natwest when you do open the CTF and if you do a minimum £10/month direct debit into the CTF you get another booklet of £250 worth of coupon/voucher as well as a Piggy Bank for free.
Amit 's Golden EggNest Rating (4 out of 5): Natwest Child Trust Funds ReviewsNatwest Child Trust Funds ReviewsNatwest Child Trust Funds Reviews

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Website: www.natwest.com
Good Points:
form was straight forward
Bad Points: Non so far
First reviewed on 13 Jan, 2008 by Wanitbad
When I first started looking around for a ctf I found it really daunting, I had never really understood them before so once I'd got to grips with what its all about I had the awful task of picking the right one!! I checked out lots of them at various places (seems everyone does them when you look) I settled for one with natwest as I have banked with them for years, I thought this would be the best option, when I asked in branch about it I was thrust a booklet and told all the information I needed was inside, It was really easy to fill in, just the basics not the ins & out of everything as i had imagined, I sent it off & then forgot about it as you do, I have since been contacted to confirm they have set it up & I have received one statement, so far Im happy with it although to be fair its only been open about 6 months!! I wish I had known about this site earlier it would have been alot easier to choose the right one for me.
Wanitbad's Golden EggNest Rating (5 out of 5): Natwest Child Trust Funds ReviewsNatwest Child Trust Funds ReviewsNatwest Child Trust Funds Reviews

Commented on 24 March, 2008: Payal
We received so many offers from banks and building societies to open the CTF with them. I did some research and decided that the best one for our child was the Natwest. The things I liked about the CTF was you had a choice of investing in a cash fund or investing in stocks and shares one. We chose the cash fund. I am very happy with the Natwest customer service. They were quick and efficient and wrote clear letter to us so we couldn't get confused. Once you have opened your child's account you can add extra money into their account.I am sure that we have chosen a good investment account my daughter.
Payal's Golden EggNest Rating (5 out of 5): Natwest Child Trust Fund ReviewsNatwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) Reviews

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Website:: www.natwest.com
Good Points: Easy to understand
Bad Points: Free gift not worth it 
First reviewed on 15 Jul, 2007 by Aligreen
When I was deciding on the best child tax fund to use to invest my daughters money I decided to go with Natwest (stakeholder child trust fund) as they were giving what seemed to be the best incentive - a book of vouchers worth £250 (£500 if you set up a monthly direct debit). I was very disapointed when i reveived the vouchers and didnt actually use any of them. I did set up the monthly direct debit and have had the fund for 2 years now. The annual statements are easy to understand and from the looks of it her investment is doing very well. I have spoken to Natwest on the phone about this and they were very informative and helpful.
Aligreen's Golden EggNest Rating (3 out of 5): Natwest Child Trust Funds ReviewsNatwest Child Trust Funds ReviewsNatwest Child Trust Funds Reviews  

Commented on 12 Sep, 2007: mumbenjakie
Disappointed to discover that the Natwest stakeholder (child trust fund) account has been the poorest performing stakeholder account since CTFs were introduced. I was initially attracted by the discount vouchers offered but had to chase these up, as they had not arrived several months after opening the CTF. Would not recommend.
Mumbenjakie's Golden EggNest Rating (1 out of 5): Natwest Child Trust Fund Reviews

Commented on 05 Oct, 2007: ewingoil
When we were looking for a child Trust Fund for our girls, we looked at several options. We decided to go with Natwest (child trust fund) as we bank with them, and it was so easy to apply, just fill out a form and pop it straight back it the post. We heard back very quickly, with all the information, and details about the 7 day cooling off period. The service seemed extremely quick and efficient. The annual statements, seem to be quite easy to understand, well as easy as documents from the bank are to understand, and seem to be doing okay so far in terms of investment.
Ewingoil 's Golden EggNest Rating (3 out of 5): Natwest Child Trust Fund ReviewsNatwest Child Trust Fund ReviewsNatwest Child Trust Fund Reviews

Commented on 21 Nov, 2007 by Lisa
When i recieved information regarding the Child trust fund and the £250 voucher i wanted to do this as hassle free as possible with it being my first child i just wanted to go for the easy option. As i banked with Natwest i assumed this would be the best option,, The form was easy to fill in and i was informed the account was set up efficiently. However, when trying to add extra money to the account on my childs birthday in addition to the direct debits, this was more of a hassle as i had to phone or one spokesperson said if i want to pay extra i have to do this in writing and post a cheque. It was a lot of hassle and the phone calls were not cheap. The free vouchers are not worth it either. I wish i shopped around more and spent more time on it as you do have a year to invest your cheque. 
Lisa's Golden EggNest Rating (3 out of 5): Natwest Child Trust Funds ReviewsNatwest Child Trust Funds ReviewsNatwest Child Trust Funds Reviews

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Website: www.natwest.com
Good Points: Quick Service
Bad Points: Only possible to apply throughout the post, not within a branch. The book of vouchers that they give was pretty worthless.
First reviewed on 07 Jul, 2007 by Jodie
When I was deciding on the best child tax fund to use to invest my daughters money I decided to go with Natwest (stakeholder child trust fund) as they were giving what seemed to be the best incentive - a book of vouchers worth £250 (£500 if you set up a monthly direct debit). I was very disapointed when i reveived the vouchers and didnt actually use any of them. I did set up the monthly direct debit and have had the fund for 2 years now. The annual statements are easy to understand and from the looks of it her investment is doing very well. I have spoken to Natwest on the phone about this and they were very informative and helpful.
Jodie's Golden EggNest Rating (3 out of 5): Natwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) ReviewsNatwest Child Trust Fund (CTF) Reviews

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Alternative to CTFs

Unit Trusts for Children

Whatever your children or grandchildren dream of doing when they grow up, why not indulge more than their imagination?

Whether they want to travel the world or step onto the first rung of the property ladder, fund their way through university or organise the wedding of their dreams, you can give them a great start in life by investing for their future with a Legal & General unit trust.

And whether you have a little to invest or a lot, if you start now you could begin to grow a fund that will help you give your child a great financial start in life.

Legal and General's Investing for children

Providers with Unit Trusts for Children
F&C's Investing for children


Children's Stakeholder Pensions

You can now save towards your children's retirement with a Children's Stakeholder Pension in your children's name. This is a government backed scheme where you can invest up to £2,808 each year, net of tax, and the Inland Revenue will add 22% basic rate tax relief to this, bringing the total amount invested up to a maximum of £3,600 a year.

By starting a Children's Stakeholder Pension young, your children's pension pot will have a huge boost in comparison to those who waited until their working lives to begin paying towards a pension.

A contributions of £3,600 per annum between ages of 0 - 16 yrs (and then stopped) could leave your child with a potential pension fund value of £1,230,000 at age 60 (these projections are based on a medium growth rate of 7% with an Annual Management Charge of 1%, courtesy of Axa Sun Life).

Contact Steve Weisner - Senior Independent Financial Adviser - at Radcliffe Newlands on 0845 0217000 or Email Steve where he'll be happy to answer all your Children's Pension questions- Please mention MyEggNest


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Tax Exempt Saving Plans (TESPs)

One of the best ways to save for your children's future is the Tax-Exempt Savings Plans (TESPs) from friendly societies. TESPs offer parents a simple way to save up to £25 for each family member per month in addition to, or instead of, a CTF.

TESPs can help you build up a lump sum for any child through small regular payments. You choose when the money is available for them, but the policy must run until they’re at least 16 and run for a minimum of 10 years.

TESPs are available for every member of the household so a family of four could save up to £100 a month tax-free and, provided the TESPs have been set up in the parent's names, the money remains firmly under their control. In addition, the flexibility of TESPs mean that they can be set up to mature at different points in a child's life.

Providers with TESPs
Engage Mutual Assurance


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