Overview
- A majority of minors have an account, with prevalence rising from 35% at ages 0–1 to 72% at 16–17.
- Just 10% of children hold 74% of the total savings accumulated by minors.
- Four in ten teenagers from modest households reach 16–17 with no savings at all.
- Per‑child amounts shrink as families grow, averaging roughly €3,112 for an only child and about €1,340 in families with more than four children.
- Asset gaps widen with age, with 16–17 year‑olds in the top wealth decile averaging about €6,000 versus roughly €2,330 for others.