Kids’ accounts provide all the usual advantages: Savings plans from €1 savings rate, 2% p.a. interest*1 in Broker 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 up to €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 up to €13,000 yearly tax-free income.*2 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. Learn more here.
*1 2% p.a. interest (variable) on Broker cash balances unlimited in PRIME+ and up to €100,000 in FREE. The interest rate is based, among other things, on the respective market rate. The allocation of cash balances is variable and takes into account available capacities and conditions. Balances at banks are protected up to €100,000 per client per bank under the statutory deposit guarantee. For qualifying money market funds, instead of the statutory deposit guarantee, European investor protection rules (UCITS) apply regardless of the amount.
*2 Scalable Capital does not provide tax advice. Tax treatment is individual and can change. Assumption: non-assessment certificate for €13,096, capital gains tax: 25%, solidarity surcharge: 5.5%; church tax: 9%.
Special conditions apply. Tax benefits mentioned only apply to Kids’ accounts in Germany.