Please note that the following answer only applies to clients of our German, French, Spanish, and Dutch offerings.
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Kids’ accounts provide all the usual advantages: Savings plans from €1 savings rate, 2.50% p.a. interest* in the Overnight account and hassle-free automated investing with Scalable Wealth. 

Further, Kids’ accounts offer unique advantages:


Scalable Broker for Kids:

  • Scalable Pocket Money allows you to invest in hundreds of ETFs by iShares and Xtrackers without the annual fees (TER). We re-invest the fees on a quarterly basis back into the chosen ETF. The first re-investment will take place in January 2026.

  • Kids’ accounts in Germany benefit from more than €13,000 yearly tax-free income.*2 Learn more here.


Scalable Wealth for Kids:

  • Scalable Pocket money: Automatised portfolio at 0% management fee including portfolio creation, monitoring and rebalancing at 0% management fee. 

  • Kids’ accounts in Germany benefit from more than €13,000 yearly tax-free income. Learn more here.

  • Automated tax optimisation: Within Wealth for kids, the tax exemption order (Freistellungsauftrag) of up to €1,000 per year can automatically be optimised for.*2 Learn more here.

Scalable Overnight account for Kids

  • 2.50% interest p.a.* on unlimited balances.

  • Interest Calculation: Daily.

  • Interest Credit: Monthly.

  • Deposit Insurance*

  • Kids’ accounts in Germany benefit from more than €13,000 yearly tax-free income.*2 Learn more here.

*2.50% interest p.a. on unlimited Overnight savings. With PRIME+ up to 5 x €100,000 statutory deposit guarantee through the distribution of all cash across up to 5 banks plus additional deposit guarantee through banks with voluntary deposit guarantee. Without PRIME+ distributed across banks with €100,000 statutory deposit guarantee per bank, or money market funds where European investor protection rules (UCITS) apply, also each possible as sole safekeeping method. Interest and distribution are variable, for instance based on market interest rates, capacities, and conditions.‌‌

*2 Scalable Capital does not provide tax advice. Tax treatment is individual and can change. Assumption: €1,000 saver’s tax allowance, €12,348 basic tax allowance and €36 special expense tax allowance, capital gains tax: 25%, solidarity surcharge: 5.5%, church tax: 9%.


Special conditions apply. Tax benefits mentioned only apply to Kids’ accounts in Germany.