With a junior depot your child benefits from the capital growth of securities with the help of the tax authorities. Therefore, with such a children's depot, you offer your child the best possible start into adult life. As soon as you have the financial means to do so, you should think about saving for your child. Due to the lack of interest, it is advisable to think about securities and to open a custody account for the child. You can get suggestions for which children's depot you should choose in this Junior depot comparison. For this we look at the most well-known providers. That includes that comdirect junior depot, that ING Junior Depot, that Junior depot of the Consorsbank, that u18 Depot of the DKB, that Scalable Capital child account, that Children's depot from Smartbroker and the Depot for minors from Flatex.
The most important from the Junior Depot comparison & Advisor in advance
What you can learn here
- The most important thing from the Junior Depot comparison & guide in advance
- Junior depot comparison: The best depots for your child at a glance
- Junior depot comparison: The Consorsbank
- Opening of a junior depot at Consorsbank
- Junior depot comparison: open a comdirect or Consorsbank depot for a child?
- Opening of a junior depot at comdirect
- Consorsbank: Open a custody account for a child?
- Junior depot comparison: is ING better than Consorsbank?
- My recommendation: Open a junior securities account for a child at Consorsbank*.
- Consorsbank is a reputable partner that has been operating in the market for a long time. The selection of ETFs is very large at Consorsbank. In addition, the popular Vanguard ETFs can be saved with the Consors Bank Junior Depot. The Vanguard ETF Vanguard FTSE All-World UCITS ETF with the WKN A1JX52 can also be purchased or saved in the Consors Bank Junior securities account. The account remains free of charge if it is not actively used for a while. Last but not least, Consorsbank scores with a bonus of 20 euros, while there is no one-off payment at ING.
- Which criteria I consider important in the junior depot comparison
- Conclusion on the Junior Depot comparison
- With a junior depot you can optimally seed capital for the child build up ✅
- direct banks offer better conditions at Junior Depots ✅
- With a junior depot you can use additional allowances Save taxes ✅
- Due to the preferential tax treatment of the junior depot, this is allowed Money used only for the child become ✅
- When choosing a bank for a junior custody account, you should an established broker fall back ✅
The children's depot is a tax-saving model. you should you Pitfalls in health insurance and BAföG consciousness. It is also essential to stock the children's depot with a long-term focus. If you are unsure, this article will help you Depot for children: papers, taxes & pitfalls continue.
Junior depot comparison: The best depots for your child at a glance
Which is the best depot for your child is different for each individual. It depends on how often you want to trade, which ETF providers you prefer, what your savings plans are, and so on. Of the Junior depot comparison provides you with an overview of the best-known providers of underageDepots and their specific Advantages and disadvantages.
| Offerer | annual costs | Pros and cons of junior depot | info | |
|---|---|---|---|---|
| #1: Consor bank Depot comparison: good (17/20 points) ING depot comparison » |  | custody fee 0 € ETF savings plans: Order commission: | advantages
➕ Free securities account (also without purchases) Disadvantages ➖ Existing customers pay more for one-time purchases | |
| #2: Comdirect Depot comparison: good (17/20 points) ING depot comparison » |  | custody fee 0 € (only with savings plan or 2 purchases per quarter) ETF savings plans: Order commission: | advantages Disadvantages ➖ Existing customers pay more for one-time purchases. After 12 months you are an existing customer. | |
| #3: ENG Depot comparison: good (16/20 points) ING depot comparison » |  | custody fee 0 € (only with savings plan or 2 purchases per quarter) ETF savings plans: Order commission: | advantages ➕ Free securities account (also without purchases) Disadvantages ➖ Savings plan only from 50 euros ➖ Existing customers pay more for one-time purchases. After 12 months you are an existing customer. | |
| #4: Flatex Depot comparison: good (16/20 points) |  | custody fee 0 € (only if there is no money in the clearing account) ETF savings plans: Order commission: | advantages ➕ Free securities account (also without purchases) Disadvantages ➖ Savings plan only from 50 euros ➖ Negative interest on clearing account | |
| #5: DKB Depot comparison: medium (14/20 points) DKB depot comparison » |  | custody fee 0 € ETF savings plans: Order commission: | advantages ➕ Free securities account (also without purchases) Disadvantages ➖ Savings plan only from 50 euros | |
| #6: Smart Broker Depot comparison: very good (17/20 points) Smartbroker depot comparison » |  | custody fee 0 € ETF savings plans: Order commission: | advantages ➕ Free securities account (also without purchases) Disadvantages ➖Web interface not state of the art | |
| #7: Scalable.capital Depot comparison: good (16/20 points) Scalable. Capital in a depot comparison » |  | custody fee 0 € ETF savings plans:
| advantages ➕ free securities account in the Free-Broker version Disadvantages ➖Savings plans cannot be made dynamic and can only be set on a monthly basis |
Junior depot comparison: The Consorsbank
Opening a junior depot at Consorsbank is very easy. In addition, the depot is for your child for free. If you decide to set up a savings plan for 25 euros or more, Consorsbank will add another 20 euros as a bonus. To do this, you have to save the savings plan in the Consorsbank junior depot for 12 months without interruption.
Consorsbank junior depot: costs
The Consorsbank Junior depot is free of charge. In contrast to other junior depots, there are no further conditions, such as a certain number of minimum trades per quarter (⇾ comdirect). In addition, Consorsbank has a campaign running, with the junior depot giving 20 euros free for a savings plan lasting at least 12 months (as of June 17th, 2020). In addition, one-time purchases in the Consorsbank Junior depot are inexpensive: from EUR 3.95 per order you only have to shell out. Numerous ETFs are available completely free of charge via savings plans (currently 275 pieces).
Consorsbank: Germany's first online broker with many good offers of free ETFs
The Consorsbank was the first online broker in Germany. It therefore has the necessary expertise and also has some good offers.
Almost 600 ETFs that are eligible for a savings plan are available via Consorsbank's junior depot. An excellent value. With this, the Consorsbank almost comes close to the 711 savings plans offered by ING. But even with almost 600 savings plans, there should be something for everyone. Also particularly liked that 14 Vanguard ETFs can be saved in the junior depot of the Consorsbank.
One-off investments can also be made at fair fees with the Consorsbank junior depot. At the beginning, this is around 4 euros for purchases up to 20,000 euros. After a year, the fees for one-time purchases of up to 2,000 euros will increase to around 10 euros.
Opening of a junior depot at Consorsbank
To the Opening of Consorsbank's junior depot you click on the button above and then on trader account open.
In the next step you will receive a selection for whom you want to open the trader account. Here you choose you at the bottom point "Do you want to open an account for a minor child?" "Yes" off and then click Continue.
The next step takes you to the mask for entering your personal information. This application for Trader account for minors you fill out completely. This requires information about the child and both legal representatives. After you have filled everything, the application will be sent to the bank. Now you have almost opened your junior depot at Consorsbank. The bank will then tell you everything else.
Junior depot comparison: open a comdirect or Consorsbank depot for a child?
The comdirect depot is only free with a savings plan or 2 purchases/quarter. This means that in terms of flexibility, Consorsbank's junior depot is the nose front Has. It stays free, even if you suspend your offspring's savings plans and don't make any purchases. The Comdirect rewards the opening of a junior depot with a subsidy of 25 euros, which Consorsbank does as well. So there is a tie here.
Savings plans can be purchased from the comdirect junior depot 25 euros be completed. The savings rates can be monthly, every 2 months or quarterly. Also can single payments such as the investment of birthday bonuses or Christmas bonuses in the comdirect junior depot.
That However, Consorsbank Kinderdepot offers more ETFs compared to the comdirect Junior-Depot as savings plans. In addition, the Consorsbank custody account for minors scores with a reduced order fee for the first 12 months. While you pay 10 euros for a smaller order with the comdirect junior depot, it is only 4 euros in the Consorsbank junior depot. With the Consorsbank children's depot, you save 6 euros on one-off investments within the first 12 months...
My recommendation: open a junior depot for children at the consor bank
The Consorsbank is a reputable partner that has been active in the market for a long time. The selection of ETFs is very large at Consorsbank. In addition, the popular Vanguard ETF can be saved with the Consors Bank Junior Depot. Also the Vanguard ETF Vanguard FTSE All World UCITS ETF with the WKN A1JX52 can be bought or saved in the Consors Bank Junior Depot. The depot remains free if it is not actively used for a period of time. Last but not least, the Consorsbank scores with a bonus of over 20 euros, while there is no one-time payment at ING.
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Opening of a junior depot at comdirect
The opening of comdirect junior depots is very simple and is described in detail on the provider's website. Therefore, the process is only briefly described here. First, the junior depot Application form* completed and signed by both parents. It is then sent to the Comdirect by post.
If the parents are not yet comdirect customers, take your ID to the nearest post office and have the postal employee verify your identity.
The application form contains the usual questions about opening a securities account and can be completed in just a few minutes.
Consorsbank: Open a custody account for a child?
Consorsbank is my recommendation if you want to open a custody account for your child. After all, the bank is a reputable partner that has been active in the market for a long time. The selection of ETFs is very large at Consorsbank. In addition, the popular Vanguard ETF with the Consors Bank Junior Depot be spared. Also the Vanguard ETF Vanguard FTSE All World UCITS ETF with the WKN A1JX52 can be bought or saved in the Consors Bank Junior Depot. The depot remains free if it is not actively used for a period of time. Last but not least, the Consorsbank scores with a bonus of over 20 euros, while there is no one-time payment at ING.
Junior depot comparison: is ING better than Consorsbank?
ING also offers a Junior Depot with attractive conditions. As with Consorsbank, the ING Junior Depot is free even without a savings plan. In addition, one-time purchases can be made for only 2.90 euros in the first 6 months after opening. At Consorsbank it is 1 euro more, but the Consorsbank junior depot offers 12 months reduced fees. Not just six like the ING. From my point of view, a point for the Consorsbank Junior depot. As an established online bank, ING also has numerous ETFS that are eligible for savings plans. More specifically, 673 ETFs are available through a savings plan at ING. After all, 170 ETFs can be saved free of charge. The Consorsbank offers a little more choice here with 275 free ETFs that are eligible for savings plans and therefore collects the next point in the comparison.
Also the Vanguard FTSE All World UCITS ETF Distributing can be saved via ING along with five other Vanguard ETFs. Using the Vanguard ETFs as a basis for comparison may seem somewhat arbitrary, but I simply think they're the best out there. So here goes again Point to the Consorsbank. It offers 14 Vanguard ETFs.
Like the Consorsbank Depot, the ING Depot is also free of charge without a savings plan or regular purchases. For the free depot management there is therefore a point for both. As a special treat, the Consorsbank offers a bonus of 20 euros for a savings plan that runs over 12 months. There's nothing comparable at ING.
Consorsbank Junior Depot is better than ING Direkt-Depot Junior
Overall, it is now 5:1 for Consorsbank's junior depot. Discounted trading is possible at Consorsbank for 12 instead of 6 months, the ETF selection is larger and there are more Vanguard ETFs available. Both depots remain free even if they are not actively used for a period of time. The Consorsbank scores with a premium of 20 euros, while there is no one-time payment at ING.
Opening of ING Junior depot (direct depot junior)
You can get the application form for the ING Junior Depot on the bank's website. Enter your child's number here and sign the form together with your partner. You then send the form together with a copy of the child's birth certificate to ING. If you and your partner are not yet ING customers, you will receive a Post Ident Coupon below. You can use this to have your identity confirmed at the post office.
My recommendation: open a junior depot for children at the consor bank*
The Consorsbank is a reputable partner that has been active in the market for a long time. The selection of ETFs is very large at Consorsbank. In addition, the popular Vanguard ETF can be saved with the Consors Bank Junior Depot. Also the Vanguard ETF Vanguard FTSE All World UCITS ETF with the WKN A1JX52 can be bought or saved in the Consors Bank Junior Depot. The depot remains free if it is not actively used for a period of time. Last but not least, the Consorsbank scores with a bonus of over 20 euros, while there is no one-time payment at ING.
Which criteria I consider important in the junior depot comparison
The best children's depot is of course only as good as its manager. Consistent saving even in times of crisis and not panic selling are things that are essential for a long-term investment.
However, each legal guardian may have different priorities when it comes to investing money for children. I consider the following criteria to be helpful when selecting a provider.
- Free depot management: The Comdirect is not an option here, since the Comdirect child depot charges fees if the savings plan is paused for a long time.
- Free ETF savings plans: The more free ETF savings plans, the better. Fees for non-free savings plans should also be low, since providers can change their free action ETF from time to time.
- Your desired ETF should be available at the bank. You can find out which ETFs are available from which broker at justetf.com check. Consorsbank offers most of the Vanguard ETFs. Since I consider these to be optimal for most investors due to their cooperative structure, long history and continuous cost reductions in the past, I have made the number of available Vanguard ETFs the ranking criterion in the junior depot comparison.
- Choose broadly diversified index funds (ETFs) for stocking the portfolio. ETFs on the MSCI World or FTSE World are well suited.
- Opinions differ when it comes to accumulating (Acc.) or distributing (Dist.) ETFs. Both have been treated equally for tax purposes since 2018. With accumulating ETFs, it's easier from compound interest effect to benefit, since one cannot forget the reinvestment. The emotionally uplifting feeling of receiving dividends in the account speaks for distributing ETFs.
last but not least: The decision for a depot is nothing that cannot be changed again. At least he is Changing a depot in Germany is free of charge by law. So if your provider should increase the fees, you simply switch. With a bit of luck, there's even a decent one exchange bonus from the new provider.
Conclusion on the Junior Depot comparison
In this junior depot comparison, I have limited myself to the best-known providers. What they all have in common is that they have been on the market for a long time. The Consorsbank offer is recommended. With the Consorsbank Junior Depot you can save over 275 ETFs free of charge with a savings plan. In addition, the bank offers the popular Vanguard ETFs and that Consorsbank Junior Depot remains free with a paused savings plan.
If you want to use the Junior Depot to save taxes, you should use the Pitfalls in health insurance and BAföG consciousness. It is also essential to stock the children's depot with a long-term focus. If you are unsure, this article will help you Depot for children: papers, taxes & pitfalls continue.
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Disclaimer: This is well researched but non-binding information. Under no circumstances are these purchase recommendations! Past performance does not guarantee future results. Securities may fall in price. This is not tax advice. Please clarify tax issues individually with a tax advisor!
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