Step-by-Step Guide:
Opening a Comdirect JuniorDepot
Complete English instructions to open a custody account for your child and start investing
Go directly to JuniorDepot opening →Complete Step-by-Step Instructions
Follow these steps to open a Comdirect JuniorDepot and start building wealth for your child with ETF savings plans.
Gather Required Documents
Gather Required Documents
Before starting the application, prepare the following: a valid passport or ID card for each parent/legal guardian, your child's birth certificate, and your tax identification number (Steuer-ID). If both parents are legal guardians, both must consent to the account opening.
Tip: Have a digital copy or photo of the birth certificate ready — you may need to upload it during the application process.
Start the Online Application at Comdirect
Start the Online Application at Comdirect
Visit the Comdirect website and navigate to the JuniorDepot product page. Click "JuniorDepot eröffnen" to start. Enter your child's personal details (name, date of birth) and the parent/guardian information. If you're already a Comdirect customer, log in first for pre-filled data.
Tip: Existing Comdirect customers can open a JuniorDepot faster since their identity is already verified.
Complete VideoIdent as Parent
Complete VideoIdent as Parent
As a new customer, you must verify your identity via VideoIdent. Use the link in your confirmation email to start the video call. Show your passport or ID card to the agent. The process takes 5-10 minutes and can be done from your smartphone or computer.
Tip: Ensure you have good lighting, a stable internet connection, and your original ID document (not a copy) for the VideoIdent call.
Set Up a Savings Plan
Set Up a Savings Plan
Once your application is submitted, you can already select ETFs for your child's savings plan. Choose the investment amount (from €25/month), execution date, and interval. Browse the list of free top-preis ETFs for cost-effective investing.
Tip: Broadly diversified world ETFs (MSCI World, FTSE All-World) are popular for JuniorDepots due to the long investment horizon of 10-18 years.
Activate the Account and Start Investing
Activate the Account and Start Investing
After successful VideoIdent, you'll receive your photoTAN activation letter within 1-2 business days. Download the photoTAN app, scan the activation graphic, and set up your login credentials. Your JuniorDepot is then ready to use.
Tip: Don't forget to set up a Freistellungsauftrag for your child to benefit from up to €1,000 in tax-free capital gains per year.
Monitor the Portfolio via App
Monitor the Portfolio via App
Use the Comdirect app or online banking to track your child's investments. View portfolio value, individual holdings, and savings plan execution history. Adjust the savings plan amount or ETF selection at any time.
Open JuniorDepot Now
Follow these steps to open a Comdirect JuniorDepot online. You'll need your ID and your child's birth certificate.
Open JuniorDepot Now →Helpful Tips for Your JuniorDepot
Before You Start
Prepare both parents' IDs and the child's birth certificate. Decide on a monthly savings amount (from €25). Research broadly diversified ETFs suitable for long-term investing. Consider your child's investment horizon until age 18.
Tax Optimization
Set up a Freistellungsauftrag in your child's name immediately — up to €1,000 in annual capital gains are tax-free. Remember that the JuniorDepot assets belong to the child. Consider the long-term tax implications and consult a tax advisor if needed.