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Ingrid Schneider · Updated: 3 September 2026
comdirect's JuniorGiro is a free checking account designed specifically for minors, pupils, students, and apprentices. It works as a first account of one's own, typically opened together with a legal guardian, and is tailored to the needs of young account holders.
Account management is permanently free, with no minimum inflow or other ongoing condition.
Newly opened accounts receive a €25 starting credit, available a few days after account opening. Unlike many bonus offers for adult accounts, no minimum inflow over several months is required here - the bonus is granted purely for opening the account within the promotional window, which makes it easy to obtain compared with many other bonus campaigns. The deadline matters, though: the application must be submitted within the promotional period, by 8 September 2026. Since this deadline can pass quickly, interested applicants should verify the current validity of the promotion directly with the provider before applying.
The account includes a debit card; a credit card is not offered for this youth account - understandable, since credit cards typically require their own creditworthiness check and legal adulthood. Online transactions are free throughout, regardless of monthly volume, according to the source data. A tolerated overdraft is charged at 0% interest, while an arranged overdraft facility is not recorded for this account - typical in practice for accounts aimed at minors, since no credit line is granted and going into debt beyond the account balance is not possible. The account is managed online, by phone, and via app; comdirect does not offer a branch for it.
Deposits are protected up to €100,000 at 100% via the Entschädigungseinrichtung deutscher Banken GmbH - the same statutory protection as comdirect's adult accounts.
JuniorGiro is clearly aimed at minors, pupils, students, and apprentices looking for a first account with no account fee and no overdraft facility. For parents who want to teach their child the basics of online banking and app use, it's a natural choice. Since overdrawing is not possible, the account particularly suits controlled handling of pocket money, apprenticeship pay, or first earnings, without the risk of slipping into negative balance.
The account is opened online, typically with a legal guardian involved for minor applicants, since minors generally cannot open accounts on their own. A switching service is available if an account already exists at another bank that needs to be moved over.
The comdirect JuniorGiro is an uncomplicated, free starter account for young people with an easily attainable €25 welcome bonus - without the usual minimum-inflow conditions. Anyone who keeps the 8 September 2026 application deadline in mind secures the bonus with no extra effort.
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