The short version
Claim your child's Trump Account in the official app or on the official website.
If your child qualifies for the $1,000 from the Treasury, elect it too. Claiming alone does not request it.
Copy the account's share link and put it on one page for family and friends.
Step 1: Claim the account
Claiming is done with the program, not with GiftGrows. We cannot claim, open, or fund an account for you.
Treasury finished automatic enrollment on October 1, 2026. A parent claims the account before anyone can manage it or contribute.
Treasury says every eligible child under 18 with a valid Social Security number has an account ready to claim. Claim it in the Trump Accounts app or on the Trump Accounts website. You verify your identity, confirm you are the parent or guardian, and accept the terms. There is no deadline to claim, and the account stays invested in the meantime. Form 4547 is not required just to claim an account Treasury already opened. Use it to request the $1,000, or to ask for an account if your child does not already have one. You can file it in the app, on the Trump Accounts website, or in your IRS individual account. The IRS help line is 866-USA-4547.
A child with a valid Social Security number can have a Trump Account if they will not turn 18 before the end of the year the account is opened.
That is the IRS list. Qualifying for the $1,000 deposit is a separate test, and it adds U.S. citizenship. For an election filed in 2026, the Form 4547 instructions say the child must have been born after December 31, 2008.
The child owns the Trump Account. A parent or legal guardian manages it until the child is 18.
Only one Trump Account is allowed for each child. The first eligible adult to finish claiming it becomes the responsible party. At 18, the child takes over, and that adult no longer has access.
Sources: Treasury automatic enrollment, October 1, 2026, Trump Accounts, Trump Accounts FAQ, Claim an account, Instructions for Form 4547, Trump Accounts overview
Step 2: The $1,000, if your child qualifies
Some children can receive a one-time $1,000 from the U.S. Treasury.
The child must be a U.S. citizen, born from January 1, 2025 through December 31, 2028, with a valid Social Security number. Opening the account does not include this deposit. A parent still has to elect it on IRS Form 4547, and Treasury says the account has to be claimed before the deposit can be received. It does not count toward the $5,000. A child born in another year does not get this deposit and can still have a Trump Account.
Sources: Trump Accounts, Instructions for Form 4547, Contributions FAQ, Treasury automatic enrollment, October 1, 2026, Claim an account
Step 3: Copy the share link
Once the account is claimed, open your child's account in the official app, tap the QR icon, then Share link. That link is made for family and friends to give with, so it is fine to send it around.
Parents, family, friends, and the child can all contribute.
The program says anyone can contribute to a claimed account, up to the shared yearly cap. The child does not need earned income for those childhood contributions. Employers, charities, and state or local governments can also contribute under their own rules.
Sources: Trump Accounts overview, Make a contribution, Instructions for Form 4547
Step 4: Put it on a gift page
A link on its own leaves people asking what it is. A GiftGrows page shows it with your child's first name, the occasion, a short note from you, and plain answers to the usual questions. It starts private, and you choose who can open it.
You can make the page before the account is claimed. Until you add the link, it says the gift is coming soon and lets givers ask to be told when it is ready. If you add a way to send to you, such as Venmo or Wise, they can give that way in the meantime, and you deposit it once the account is claimed.
Step 5: Send it
Send the page to the family chat, add it to an invitation, or print the QR code for the party table. The guide on asking family has words you can copy.
Make a page for your kid. One calm page that explains the account and shows family and friends how to give, with the official link or a way to send it to you.
Make a page for your kidMore questions
How do I open an account for my child?
Treasury finished automatic enrollment on October 1, 2026. If your child is eligible, an account is already waiting to be claimed. Claim it in the Trump Accounts app or on the Trump Accounts website before family and friends can contribute. You verify your identity, confirm you are the parent or guardian, and accept the terms. You do not need Form 4547 just to claim an account Treasury already opened. Use Form 4547 to request the $1,000, or to ask for an account if your child does not have one yet. You can file that form in the app, on the Trump Accounts website, or in your IRS individual account. The IRS help line is 866-USA-4547.
What is the $1,000 pilot?
It is a one-time deposit from the U.S. Treasury for a U.S. citizen born from January 1, 2025 through December 31, 2028, with a valid Social Security number. The account being open does not include it. You still elect it on Form 4547, and the account has to be claimed before the deposit can arrive. It does not count toward the $5,000. Children born in other years do not get this deposit. They can still have a Trump Account, and gifts from family and friends are how it grows.
What are the contribution caps?
In 2026 the shared cap is $5,000 per child. Your gifts, your child's own contributions, gifts from family and friends, and employer contributions all draw from that same $5,000. An employer can put in up to $2,500 a year for an employee, across all of that employee's children, and those dollars count toward each child's cap. The IRS says that employer amount is not included in the employee's taxable income. The $1,000 pilot and qualified gifts from a charity or a government do not count. The limit adjusts for inflation after 2027. The childhood cap runs through December 31 of the year your child turns 17. As of this review, the program still says employer contributions are coming soon.
Official sources
Every fact on this page comes from these pages. Rules can change, so check the official pages before you rely on a detail.
- Treasury automatic enrollment, October 1, 2026 home.treasury.gov
- Trump Accounts www.irs.gov
- Trump Accounts FAQ www.irs.gov
- Claim an account trumpaccount.com
- Instructions for Form 4547 www.irs.gov
- Trump Accounts overview trumpaccount.com
- Contributions FAQ trumpaccount.com
- Make a contribution trumpaccount.com
- Treasury and IRS guidance (IR-2025-117) www.irs.gov