Overview

• The Kinderdepot is available immediately without a waitlist, allowing parents to open a child savings account via the Trade Republic app.
• It offers free ETF savings plans, 2.25% interest on idle cash and a “Kindergeld” feature that reimburses fees on selected Vanguard ETFs until the child turns 18.
• Account setup is fully digital: parents upload their child’s birth certificate and agree to terms online without paper forms.
• Scalable Capital has announced a similar junior depot for launch this summer but is currently operating a waitlist.
• Trade Republic plans to integrate the government’s Frühstart-Rente from 2026, channelling €10 per month into each eligible child’s account.