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First current account
Familieab 9 J.
Possible from age 7 in Germany, recommended from 12. Most banks offer free youth accounts with a card, online banking and no overdraft risk.
When is the right time for a child's first current account (Germany)?
• From age 7: possible with the consent of both parents
• From age 12: recommended by the German Youth Institute (DJI) – children learn to handle digital money
• From age 14: useful with their own bank card for independent shopping
What to look out for?
✅ Free of charge (no account fees)
✅ Own girocard/debit card
✅ Online banking & app
✅ No overdraft possible (credit balance only)
✅ Parents have access/an overview
Did you know? Most German banks offer current accounts from age 7 (with parental consent). Until 18 no overdraft is allowed – the account cannot go into the red.
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