XTB launched its Young investing service in Romania on 20 October, giving teenagers aged 14 to 17 access to share and ETF trading under parental authority. Romania is the first market for the rollout, according to the launch report. The arrangement brings younger users into the broker’s app through an adult’s existing customer relationship.[1]
The contract defines Young as a technical and administrative subaccount of the parent’s main trading account. The teenager receives authority to place eligible orders and manage investment plans, but does not become XTB’s client or acquire ownership of the assets. The agreement is with XTB S.A. through its Bucharest branch; legal and tax obligations remain with the adult account holder.[2]
How trading authority and account control are divided
| Function | Published allocation |
|---|---|
| Investment orders | The teenager can submit permitted buy and sell orders, including stop and limit instructions, under the parent’s mandate.Source 3 |
| Intervention | The parent can trade directly and close positions opened by the teenager; parental control takes priority.Source 3 |
| Money movements | Deposits, withdrawals and transfers are reserved to the parent. Annual deposits are capped at RON 15,000 per Young account.Source 4Source 3 |
| Product access | Shares, ETFs and investment plans are offered. Leveraged products, CFDs, options and crypto are excluded.Source 4 |
| Closing or moving the account | The teenager cannot close the subaccount or main account, or request their transfer to another intermediary.Source 3 |
The mandate treats authorised trades as the parent’s own transactions, including responsibility for losses. The parent can monitor activity and intervene through the account, while the teenager makes real investment decisions.[3][4]
The Romanian product page advertises zero trading commission up to €100,000 of monthly turnover, followed by 0.2% with a €10 minimum, and says a 0.5% currency-conversion cost may apply. The RON 15,000 annual deposit cap measures new funding; the commission threshold measures trading turnover. Repeated purchases and sales can therefore produce turnover greater than the amount deposited.[4]
The subaccount also survives the teenager’s eighteenth birthday. XTB says access and ownership do not change automatically: the young user can open an account in their own name or continue under the existing authority until the parent closes Young.[4][2]
Sources & further reading
- XTB Opens Investing Accounts to Teenagers, Starting in Romania Finance Magnates · 20 Oct 2026 · Accessed 20 Oct 2026
- XTB Young: annex to the brokerage framework agreement XTB · Accessed 20 Oct 2026
- XTB Young: power of attorney for trading instructions XTB · Accessed 20 Oct 2026
- XTB Young: Romanian product terms and frequently asked questions XTB · Accessed 20 Oct 2026