Comdirect JuniorDepot
Invest for your child's future — from day one 2026
The Comdirect JuniorDepot is a free custody account for children aged 0 to 17, opened and managed by parents or legal guardians.
Start building wealth for your child with ETF savings plans from just €25 per month — with no custody fees and no account management charges.
Take advantage of your child's own tax-free allowance of up to €1,000 per year on capital gains.
Why open a JuniorDepot at Comdirect?
Custody Fees
Free depot management with no conditions — no minimum balance, no minimum trades required.
Savings Plans From
Start investing for your child with ETF savings plans from just €25 per month. Automate wealth building from an early age.
Tax-Free per Year
Children have their own Sparer-Pauschbetrag: up to €1,000 in capital gains per year are tax-free.
JuniorDepot Features
Free custody account — no hidden fees
The Comdirect JuniorDepot has no custody fees, no account management charges, and no minimum balance requirements. You only pay when you trade.
ETF savings plans from €25/month
Choose from a wide range of ETF savings plans and invest automatically each month. Many top ETFs are available with no order fees — ideal for long-term wealth building.
Tax advantages for children
Your child has their own tax-free allowance (Sparer-Pauschbetrag) of up to €1,000 per year. Set up a Freistellungsauftrag in your child's name to benefit from tax-free capital gains.
Access to all major exchanges
Trade on all German stock exchanges and major international venues. Invest in stocks, ETFs, funds, and bonds for your child's portfolio.
VideoIdent — 100% online opening
Open the JuniorDepot entirely online. Parents verify their identity via a short VideoIdent video call — no branch visit or post office required.
Monitor via app and online banking
Track your child's portfolio anytime via the Comdirect app or online banking. View holdings, performance, and savings plan execution at a glance.
Who can open a JuniorDepot?
The JuniorDepot is opened by parents or legal guardians on behalf of a minor child. The following requirements apply:
- The child must be between 0 and 17 years old
- Both parents or legal guardians must consent to the account opening
- At least one parent must complete identity verification (VideoIdent)
- A valid ID or passport of the parent(s) is required
- The child's birth certificate is required for the application
- The parents must be residents of Germany
Start building your child's future today
Open a Comdirect JuniorDepot online in minutes. Free custody, ETF savings plans from €25/month, and tax-free capital gains up to €1,000/year.
Open JuniorDepot NowFees & Costs
Depot Fees
- Custody / Depot management: Free
- Account management: Free
- Settlement account: Free
Order Fees
- First 12 months (new customers): €3.90 per order
- After 12 months: €9.90 + 0.25% of volume (max. €59.90)
- Top Preis ETF savings plans: Free
- Other ETF savings plans: 1.5% of volume
Other Costs
- Depot transfer (outgoing): Free
- Limit orders: Free
- Dividend payouts: Free
How to Open a JuniorDepot
Open a JuniorDepot for your child in just a few steps — entirely online.
Gather the required documents
You'll need a valid ID or passport for the parent(s) and your child's birth certificate. If both parents are legal guardians, both must consent.
Start the online application
Visit the Comdirect website and select "JuniorDepot". Fill in the child's details and the parent/guardian information. The application takes just a few minutes.
Complete VideoIdent verification
As a parent, verify your identity via a short VideoIdent video call (5-10 minutes). You'll need your passport or ID card and a stable internet connection.
Set up a savings plan
Choose ETFs for your child's savings plan and set the monthly investment amount (from €25). Many top ETFs are available with no order fees.
Activate the account
After successful verification, you'll receive your activation details within 1-2 business days. Activate photoTAN and log in to start managing the JuniorDepot.
Start investing for your child
Your JuniorDepot is ready. The first savings plan execution happens automatically on the scheduled date. Monitor your child's portfolio via the app.
Ready to invest for your child's future?
Open a Comdirect JuniorDepot online in minutes — free custody, ETF savings plans from €25/month, and tax advantages for your child.
Frequently Asked Questions
Who is the account holder of the JuniorDepot?
The JuniorDepot is held in the child's name. The parents or legal guardians manage the depot until the child turns 18. At that point, the child gains full control over the account and its assets.
What happens when my child turns 18?
When your child reaches legal age (18), the JuniorDepot is automatically converted into a regular Comdirect Depot. Your child then has full control over the investments and can manage the portfolio independently.
Can I withdraw money from the JuniorDepot?
Since the JuniorDepot belongs to the child, parents can only manage the assets in the child's best interest. Withdrawals must be used for the benefit of the child. Consult a tax advisor for specific situations.
How does the tax-free allowance work for children?
Each child has their own Sparer-Pauschbetrag (saver's lump sum) of up to €1,000 per year. Capital gains up to this amount are tax-free. You can set up a Freistellungsauftrag in your child's name to ensure automatic tax exemption.
Can both parents manage the JuniorDepot?
Yes, both parents (or legal guardians) can manage the JuniorDepot. Both must consent to the account opening. Access to the online banking is set up for the parent who completes the VideoIdent verification.
Which ETFs are recommended for a JuniorDepot?
For long-term wealth building, broadly diversified world ETFs (e.g., MSCI World, FTSE All-World) are popular choices. Comdirect offers many of these as free savings plans. The long investment horizon makes equity-heavy strategies particularly suitable for children.
Start building your child's future today
Open a Comdirect JuniorDepot online in minutes. Free custody, ETF savings plans from €25/month, and tax-free capital gains up to €1,000/year.