XTB Launches Young Investing Accounts for Romanian Teenagers

XTB launches XTB Young investing accounts for Romanian teenagers aged 14 to 17, with parents keeping control of the money.

Key Points:

• XTB launches XTB Young in Romania for 14- to 17-year-olds, with parents controlling all deposits and withdrawals.
• Teenagers can trade shares and ETFs, while leverage and CFDs remain off limits

The launch targets a younger audience at a time when clients aged 18 to 24 made up 17.4% of XTB’s active clients across all markets in the first half of 2026. In Romania, about a fifth of the broker’s users are under 30. When a teenager turns 18, the account can continue under the parent’s mandate, or the young person can open a standard XTB account.

Teenagers can buy shares, including fractional shares, and exchange-traded funds. Only a parent or legal guardian can deposit, withdraw, or transfer funds, and deposits are capped at RON 15,000, about $3,160, per year per account. The teenager opens and closes positions, while the parent sees each account separately in real time, receives an alert on every trade, and can close any position the teenager has opened. One parent may open up to three accounts.

Leverage and contracts for difference are off limits. That restriction stands out given that commodity CFDs alone generated 60.5% of XTB’s gross result from financial instruments in the second quarter of 2026. ETF-based Investment Plans, which XTB redesigned and rolled out in five European markets in July, are also available to teenagers in Romania.

XTB Launches Young Investing Accounts for Romanian Teenagers

To activate an account, the parent signs a legal guardian declaration and a power of attorney electronically. Contracts, statements, and tax reports go to the parent, and the app includes learning material and an AI assistant.

XTB tied the launch to a survey it commissioned from Reveal Marketing Research in May.In that survey, 44% of respondents said their families discussed money at home only when necessary during their childhood, and 12% called it a sensitive or taboo subject. Irina Cristescu, general manager of XTB Romania, said starting early is an advantage because there is more time to learn from mistakes.

XTB is not alone in chasing younger clients. Charles Schwab opened a Teen Investor Account in the US in March for 13- to 17-year-olds. The account is held jointly with a parent and allows stocks, fractional shares, and most ETFs, while options, futures, forex, and leveraged ETFs are excluded.

In Germany, Trade Republic started a children’s securities account in May 2025, initially for those under 16 and managed by parents, according to the personal finance site Finanztip. The two brokers compete in each other’s home markets, and XTB’s chief executive said in June that the company would spend more on marketing in Germany than in Poland this year.

In the UK, CMC Markets added a Junior Cash ISA in April, paying a variable 3.56%, though it is a savings product with no share trading. XTB, which has sold ISAs in the UK since December 2024, is campaigning to lower the age for opening and managing a Stocks and Shares ISA alone from 18 to 16.

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