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XTB began offering XTB Young in Romania on Tuesday, giving 14- to 17-year-olds access to investing accounts while leaving control of cash movements with a parent. The Polish broker selected Romania as the first market for the service.
Guardians retain control of cash
Young account holders can open and close positions in shares, including fractional shares, and exchange-traded funds (ETFs). A parent or legal guardian handles deposits, withdrawals and transfers. The yearly deposit limit is RON 15,000 (about $3,160) for each account, and one parent can establish as many as three.
Parents can check each account separately in real time, receive a notification for every transaction and close positions opened by the teenager. Use and contracts for difference (CFDs) are excluded. The separation is relevant to XTB's product mix: commodity CFDs contributed 60.5% of the broker's gross result from financial instruments in Q2 2026, FM Intelligence data show.
Account access extends beyond trading
At 18, the account may stay in place under the parent's mandate, or the young investor may open a standard XTB account, the company said. A guardian completes a declaration and power of attorney online. XTB sends contracts, statements and tax reports to the parent, and includes educational material and an AI assistant in the app.
ETF-based Investment Plans are also offered to Romanian teenagers. XTB reworked those plans before introducing them in five European markets in July. The broker's client figures point to a potential audience: people aged 18 to 24 represented 17.4% of active clients across its markets in the first half of 2026, while roughly one in five Romanian users is under 30.
Other firms target younger customers
XTB linked the launch to research it commissioned from Reveal Marketing Research in May. In the survey, 44% said money came up at home during childhood only when needed, while 12% recalled it as a sensitive or taboo topic. Irina Cristescu, general manager of XTB Romania, said earlier exposure gives young people more time to learn through mistakes. The launch was first reported by Finance Magnates.
Charles Schwab introduced a US Teen Investor Account in March for 13- to 17-year-olds, jointly held with a parent. It permits stocks, fractional shares and most ETFs, but not options, futures, forex or leveraged ETFs.
Trade Republic began offering a parent-managed children's securities account in Germany in May 2025, initially for under-16s, according to personal finance site Finanztip. The firms compete in each other's home markets; XTB's chief executive said in June that Germany would receive more of the company's marketing spend than Poland this year.
In the UK, CMC Markets added a Junior Cash ISA in April with a variable 3.56% rate and no share dealing. XTB has offered ISAs there since December 2024 and is campaigning to reduce the minimum age for independently opening and managing a Stocks and Shares ISA from 18 to 16.
The integration question
For platform and operations teams, the account rules divide permissions between the teenager and guardian. Operators will need to establish how order entry, cash movements and guardian overrides are represented in account permissions, and how trade alerts and position closures are recorded. The source does not describe the underlying systems or any integration work.
Firms considering a similar product should also ask how account access changes at 18, and whether holdings, statements and tax reporting continue cleanly if the young investor moves to a standard account. XTB has not specified how that transition works or what operational costs the new accounts add.
