The S-Broker Junior Depot in Review 2025!
If you are looking for a secure and long-term investment option for your children, the S-Broker Junior Depot could be the right choice.
There are many junior depots on the market, but S-Broker stands out due to its many years of experience in the market.
In this article, you will learn why an S-Broker depot for minors makes sense, what advantages it offers, and how it compares to other junior depots.
What is the S-Broker Junior Depot?
An S-Broker depot for children is a special account that can be set up for minors in order to save capital for the child's future. Parents or legal guardians can open the depot and purchase securities in the name of the child.
Once the child reaches legal age, they can manage the depot independently. With such an account, parents can start accumulating long-term assets such as stocks or ETFs at an early stage.
Advantages of the Junior Depot
The S-Broker children’s depot offers several advantages that set it apart from other junior depots. The most important include:
- Cost efficiency: The depot is free of charge until the child reaches legal age. There are no custody account fees, which is especially important for long-term investment goals.
- Diverse investment options: With the S-Broker depot, you can trade a wide range of securities, including stocks, ETFs, funds, and bonds. This diversity allows you to structure the portfolio according to individual preferences and risk appetite.
- Freedom of deposits: You can set up regular savings plans or make one-time deposits. This gives you maximum flexibility when investing for your child.
Practice depot: If you are unsure about the capital market, you can first test the S-Broker practice depot and practice investing without having to spend money.
How does opening an S-Broker depot for children work?
Opening an S-Broker children’s depot is relatively straightforward and works via the junior depot website:
First, the legal guardians must provide some personal data such as address, age, and nationality.
In addition, bank details and tax-relevant information are required.
The child’s birth certificate and proof of identification are also needed.
Subsequently, the depot is opened online via the S-Broker login. The entire process is designed so that parents can open the account without much effort.
S-Broker Costs: What do you need to consider?
An important aspect of any junior depot is the costs. The S-Broker depot for children charges the following:
It is free of charge until the child reaches legal age. You therefore pay no custody account fees.
Only when trading certain securities do usual execution costs apply, which may vary depending on the provider. 102 of the 762 ETF savings plans are, however, executable without fees. If the depot is not used and the depot value is below 10,000 euros, S Broker charges a custody fee of 3.99 euros per month (11.97 euros per quarter).
Order fees & savings plans:
- Order fees for buying/selling securities:
4.99 euros basic fee plus 0.25% of the order volume, but at least 8.99 euros per order. - Savings plans:
Many ETF and fund savings plans can be set up, changed, or deleted completely free of charge. For certain savings plans where an order fee is charged, this is a maximum of 2.50% of the savings rate. - Exchange-dependent fees:
In addition to the order fees, further, usually small, exchange fees may apply depending on the trading venue.
Therefore, these points should be considered for the S-Broker junior depot:
- No custody account fee:
The depot remains free of charge if you make at least one transaction per quarter or if the asset balance does not fall below 10,000 euros. - Free savings plans:
More than 750 savings plans can be saved free of charge, which is particularly attractive for long-term wealth accumulation.
S-Broker App: Easy management of the depot
With the S-Broker app, you have access to the junior depot at any time. The app offers an intuitive user interface that allows you to keep track of your investments. Whether you want to check the depot balance or make new transactions-everything is mobile and done quickly.
How do you close the junior depot?
If you wish to close the S-Broker depot, you can do so at any time. The process can be carried out either online via the S-Broker login or by post.
Depot transfer at S-Broker: How it works
Another advantage of the S-Broker depot is the smooth depot transfer. If you already have a depot with another provider and want to switch to S-Broker, you can easily have your securities transferred.
Is the S-Broker Junior Depot worth it in comparison?
S-Broker is a provider with a lot of experience and is characterized by years of research in the capital market. If you want to benefit from security and a large provider, S-Broker is a good choice.
However, there is also, for example, the 1822direkt Junior Depot, also operated by Sparkasse, where you can benefit from a 100 euro starting bonus and additionally a savings account with an interest rate of 3.30%.
So feel free to discover more junior depots that we have already tested for you.