Scalable
Kid’s account

Own your child's future. With Pocket Money on top.

Set up your own account first. To open a Kid’s account all legal guardians are required to have a Scalable account.

2% interest p.a.^*

Interest without the paper and hassle of a passbook.

Pocket Money

Invest without the yearly fees
for ETFs or Wealth.

Savings plans

Commission-free¹ savings plans
on ETFs and co.

More than €13,000

Tax-free income per year.²

For a better tomorrow

Financial independence starts here.

	Start early for long-term success Early investing can provide a financial cushion for costs like education, supporting a more secure adult life.
	Turn small savings into big dreams Compounding allows small recurring contributions to grow substantially, funding future goals and aspirations.
	Provide lasting independence A diversified portfolio for your child can provide financial stability, helping them stand on their own feet.

Pocket Money paid by Scalable

In every Kid’s account Scalable pays Pocket Money and reinvests the product costs (TER) back into your Kids’ ETF in the Scalable Broker and waives the management fee for Scalable Wealth.

Broker

Invest yourself

	Scalable Pocket Money: Scalable reinvests the product costs (TER) back into your Kids’ ETF
	Savings plans from €1 savings rate and 2% interest p.a.* on cash
	Save up to €3,676 in taxes per year²

Wealth

Automated investing

	Scalable Pocket Money: 0% management fee
	Fully managed including portfolio creation, monitoring and rebalancing
	Automatic tax optimisation

Tax for kids done right

Save on taxes, maximise your child's investments.

Children can have up to €13,132 tax-free income annually, allowing them to save up to €3,676 in taxes ². To benefit from it, the following allowances can be used:

	€1,000 saver’s tax allowance
	€12,096 basic tax allowance
	€36 special expense tax allowance

Here is how to set up the allowances in the Scalable account.

FAQ

Answers to further frequently asked questions are answered in our Help Center.

	Broker	Wealth
Interest on cash	2% p.a.*
Savings plan rates	From €1	From €20
Scalable Pocket Money	0% TER p.a. on hundreds of iShares & Xtrackers ETFs	0% management fee
Costs	€0/month in FREE €4.99/month in PRIME+¹	0% Wealth management fee ETF costs from 0.11% p.a.
Automated tax optimisation		Takes into account the saver’s tax allowance of up to €1,000 p.a.
Automated portfolio creation
Automated rebalancing
Withdrawal plans

With Scalable, every Kid’s account offers Pocket Money: Opt for the Broker to invest in hundreds of ETFs, for which Scalable reinvests the product costs (TER). On average, €320 in Pocket Money can be earned until the child turns 18.³ Or choose Wealth for a fully automated portfolio with zero management fees. Special conditions apply.

All legal guardians need a Scalable account to be able to open a Kid’s account. The account can be opened anytime free of charge. All legal guardians then have full access to the Kid’s account and can manage it.

It is possible to open a Kid’s account even with sole custody.

All legal guardians need a Scalable account. Once your accounts are opened, you can proceed by creating a Kid’s account under Product Overview (double-tap Home) > Add New Product > Create a Kids' Account for my child.

Then, proceed by following the steps for the Scalable Broker for kids, upload the relevant required documents and your account will be ready.

Special conditions apply.

¹ PRIME+ Broker: €0 for trades of €250 or more, otherwise €0.99. FREE Broker: €0 for purchases of PRIME ETFs (all Amundi, iShares, Xtrackers ETFs) of €250 or more, otherwise €0.99. All broker models: €0 for savings plan executions. Crypto fees, product costs, spreads and/or inducements may apply. Compare broker plans in detail.

² Scalable Capital does not provide tax advice. Tax treatment is individual and can change. Assumption: €1,000 saver’s tax allowance, € 12,096 basic tax allowance and €36 special expense tax allowance, capital gains tax: 25%, solidarity surcharge: 5.5%, church tax: 9%.

³ Calculation: Initial investment of €0, monthly savings plan of €50. Assumed return of 7.7%. Quarterly reinvested product costs (TER) of 0.2% until the child turns 18.