Junior Depots Postbank Junior Depot Postbank Junior Depot
Minimum savings rate
€25
Online Banking
Yes
Depot consulting
telephone
e-mail
branch
Types of ETF
Shares, funds, bonds, certificates, warrants
Number of ETF savings plans
340
Type of depot
Passive
Type of provider
Direct Bank
Customer support
Yes

Only available on request with the ‘Young Account’.

Deposit opening
free
Deposit fee
free
Execution cots savings plan
per transaction €0.90
Order costs one-time investment
From €4.95 per order, otherwise €9.95.
Foreign exchanges: From €32.95 to €79.95 per order, depending on the volume.
Minimum age
7 Years
Application only by legal guardians
Yes
Online application possible
Yes
Online contract conclusion
No
Postal application mandatory
Yes
Postal contract conclusion mandatory
No
Application via document submission
Yes
Application in store mandatory
Yes
Identification procedure
No

Alternative

  • Consorsbank Junior Depot
    Deposit fee
    free
    Minimum age
    0 Years
    Minimum savings rate
    €10
    • Including savings account
    • eID verification possible
    • 18 ETF savings plans without plan fees until 2030
    to Provider all Details

    The “Young Account” with Junior Depot at Postbank compared!

    Are you looking for a suitable investment for your child or want to make a meaningful and sustainable monetary gift? Postbank offers a convincing securities account in combination with their “Young Account”. 

    Discover a comprehensive review of the Junior Depot at Postbank below!


    Costs and account management fees for Postbank depots 

    The Postbank Depot is included free of charge when opening a “Young Account”. However, it is not automatically opened with the child’s account; you need to request the Junior Depot at Postbank. The Junior Depot is largely identical to the adult version and is available from a minimum savings rate of 25 €. 

    Discover the most important cost information for the depot itself:

    • Account Management: Free
    • Investment Account: Free
    • Free Order Costs:
      • Domestic exchanges: From €4.95 per order, otherwise €9.95.
      • Foreign exchanges: From €32.95 to €79.95 per order, depending on the volume.
    • ETF Savings Plans: €0.90 per execution.
    • Additional Fees:
      • Order Changes: €2.50.
      • Order Cancellations: Free.

    For detailed cost information, Postbank also provides a price list.

    Opening a Junior Depot – Step by Step 

    The Junior Depot can be opened with the “Young Account” from the age of 7 and is available for all children and adolescents up to 22 years old. Minors cannot open the depot or account independently and need a guardian to accompany them to a branch. 

    Checklist for Opening a Junior Depot:

    • Child’s Birth Certificate: To verify identity and age.
    • Parents’ ID Card or Passport: To verify identity and conduct the PostIdent process.
    • Child’s Tax Identification Number: Necessary for tax purposes.
    • Consent of Both Parents: If both have custody, both must agree to the opening and sign the document. 

    Opening is usually done at a Postbank branch, where the necessary identity checks can be conducted via the PostIdent process. Online opening with VideoIdent is currently not possible at Postbank. 

    Note: From the age of 23, the account is automatically converted to “Postbank Giro Plus”, which changes the conditions.


    Management and Service in Branches & Online Banking 

    Once you have opened an account, Postbank offers several options to make management easy and flexible. 

    Online Banking and the Postbank App 

    You can log into your account anytime on the website using your Postbank ID, which is provided upon opening the account. 

    Additionally, there is the Postbank App, which maintains a high security standard with “BestSign” and is available for both Android and iOS. 

    Find Postbank Branches Near You and Their Opening Hours

    A major advantage of Postbank as a Junior Depot provider is the numerous branches where you can personally consult with staff for questions or problems. 

    Besides Google Maps, you can also use the company’s branch finder on the Postbank website. It is located at the top right of the website. Simply enter your postal code or allow the page to access your location. The program will then show you routes, services offered, and the opening hours of the respective branch. 

    Additionally, the finder can also display suitable ATMs. 

    Postbank Customer Service 

    Besides branches, there are various advisory hotlines available, depending on the specific issue you have. In emergencies, there is a 24-hour hotline. The brokerage hotline can be reached at 0228 5500 5533.


    Submitting an Exemption Order at Postbank 

    Did you know? By submitting an exemption order at your bank, you can earn €1,000 (as of 2024) per year through the capital markets without being taxed by the tax office. 

    At Postbank, you can submit an exemption order both online and at a branch. Additionally, you can print out the order, fill it out, and send it by post to the relevant office.


    How to Cancel a Postbank Depot and Investment Account 

    To cancel a Postbank depot and investment account, follow these steps:

    1. Write a termination letter (templates are available at Postbank).

    2. Initiate a depot transfer.

    3. Submit the termination.

    4. Wait for confirmation.

    5. Check the account balance.

    Conclusion: How Good is Postbank as a Depot Provider? 

    Postbank’s “Young Account” combines a free current account with a Junior Depot, providing an excellent way to introduce children to financial topics early and manage money wisely. 

    The depot is free and offers low order costs starting at €4.95 per domestic order and €0.90 per ETF savings plan execution. Opening is possible from the age of 7 in a branch and requires documents such as the child’s birth certificate and the parents’ ID card. Management is flexible via online banking and the Postbank App. 

    Overall, Postbank’s offer is an attractive option for families valuing financial early education, sustainable and secure investments, and personal advice.


    To find the right junior custody account, parents should compare several providers. Discover more junior depots in our tests!

    Does Postbank have a Junior Depot?

    Yes, Postbank has a Junior Depot. However, it must be applied for in combination with the “Young Account”. It serves financial early education and saving.

    What documents are required for opening?

    Child’s birth certificateParents’ ID card or passportChild’s tax identification numberConsent of both parents (if both have custody)

    What happens to the account when the child turns 23 years old?

    From the age of 23, the “Young Account” is automatically converted to “Postbank Giro Plus”, which may change the conditions.
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