Kids Account

Make yours grow from the beginning with our portfolios for minors


If you already have funds in other entities where the owner is the minor, you can transfer them to inbestMe with no tax impact on the Kids account. Like all services, inbestMe will be in charge of keeping the plan adjusted to the selected profile, processing new contributions and keeping costs low with access to the best funds from the best world managers.

How to open a Kids Account?

Opening an account at inbestMe is 100% online and simple. First of all, you will have to answer our short questionnaire to find out the composition of the Kids portfolio according to the profile obtained. In the questions time horizon and age you must answer thinking about the minor person. In the rest of the questions such as objective, risk aversion, possible loss, employment situation, income and wealth you must answer thinking of the authorized adult person.

Once you have obtained the personalized wallet, you must start the account opening registration and in the first question, after confirming your email and creating a password, you will find the “Account type” option, where you will select the Kids account. From here, the registration process will guide you on the necessary information for the underage person and the authorized person.


Our portfolios for minors are Index Fund portfolios, SRI Index Funds or Savings Portfolio depending on the investment style chosen by the adult. Its composition depends both on the product and the chosen style and on the amount invested:

  • The portfolio of less than €5,000 will be made up of 2 funds with global diversification and will be the combination of 4 possible funds according to the selected profile.
  • The portfolio of more than €5,000 will be made up of up to 16 funds with global ultra-diversification according to the selected profile.
  • The Savings Portfolio portfolios will be made up of 2 or more Money Market Funds.

You can obtain more details of all the funds used in each investment style by visiting the product pages: Standard Index Funds o SRI Index Funds (at the client’s choice). To find out exactly the distribution or composition of the portfolio, we recommend you take our brief questionnaire and in less than 1 minute you will get the plan.

Please note that final portfolio funds may vary as our Investment Committee is constantly improving portfolios. These improvements will always be at no cost to the client and they will be informed at all times about these changes.


The costs of our portfolios for minors are exactly the same as those of portfolios of Index Funds, SRI Index Funds or Savings Portfolio.

You can check them in our costs section.

Do you have any question?
Do not keep it for yourself,
we have the answer.

Sometimes money-related issues are complex, which is why we work on our Kids Account to make it as easy to understand as possible. Here are some of the most frequently asked questions.

What account are available for minors?

The accounts allowed for minors are those made up of index or money market funds. These are: Index Funds, SRI Index Funds y Savings Portfolio.

Features to keep in mind

At the moment, investment accounts can only be opened for minors with Spanish ID and the minimum amount to open a minor account is €1,000. Distribution and fees will be the same as inbestMe index fund portfolios. There is the possibility of opening multiple accounts for the same underage person, with different objectives, profiles and styles.

Can I transfer Funds to inbestMe in the name of the minor from other entities?

Yes, you can.

Yes, of course. The transfer order of the investment funds in the name of the minor must be made from inbestMe. To do this you must start the account opening process and, at the end, you can choose to transfer the funds.

What happens when the minor turns 18?

Remember that ownership of a kids account belongs to the minor and the adult person only acts as authorized person while the minor is not of legal age. At the time of turning 18, the adult person will see a notice in their client area to create a new independent user with a new email (the minor’s).

The minor must confirm the email and validate the account data through a PIN sent by SMS to the telephone number provided. Once the data is confirmed, the minor’s wallet will form part of this new account and will be deactivated in the adult’s account. From that moment the minor will take full control of the account and the investment deposited in it.