Cryptocurrency Brokerage Accounts for Minor Children

Introduction

I recently started looking for a brokerage to set up an account for my kids.
It was difficult sorting through all the information, but I found what I was looking for and decided to share. For minors (under age 17 in the U.S.) who want to invest in Bitcoin, there are three platforms that allow accounts under the supervision of a parent or guardian.

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1. EarlyBird

EarlyBird gives minors a custodial crypto wallet, where a parent or guardian controls the account until the minor is old enough to take over.
Key Features: Easy to use and has tools to help minors learn about cryptocurrency.
Available on: Mobile apps for iOS and Android.
Age Requirement: For minors, with a parent managing the account.

2. Stack

-Stack platform lets teens do the actual investing in cryptocurrencies.

Offers access to over 30 cryptocurrencies, fun learning tools, and rewards for making smart investments.
Parents must co-own the account and approve funding.
It is a monthly subscription service.
Designed for teens aged 13–17.

UNEst

An adult Manages the Money: UNest uses a special type of account where an adult, usually a parent, takes care of the money for the child.

This adult manages the account until the child becomes an adult themselves (at age 18 or 21, depending on where you live).
Once they're an adult, the child gets full control of the money.
Money for Anything: Unlike some other savings plans that are only for college, the money saved in UNest can be used by the child for any important purpose once they take control – like college, buying a home, starting a business, or even travel.

These Popular Brokers Don’t Offer Minor Accounts

I checked these popular platforms, and they don’t offer custodial accounts for minors:

Coinbase: Does not offer custodial accounts for minors. Parents can buy crypto for their child, but the child can’t have their own account.
Fidelity: Allows crypto trading but does not have custodial accounts for minors.
Robinhood: Lets minors trade stocks with parental consent, but not cryptocurrency.

Platform Comparison

Here’s a breakdown of the three brokerages offering accounts for minors and who they’re best for:

EarlyBird

Type: Custodial account for minors
Crypto Support: Bitcoin & Ethereum
Parental Involvement: Parents have full control until the minor reaches the legal age
Educational Features: Limited; focuses on gifting and long-term savings
User Experience: Simple mobile app, easy to use
Fees: Approximately $3/month, with possible investment fees
Age Range: 0–17 (with parent/guardian control)
Extras: Allows family and friends to contribute gifts

Stack

Type: Teen-focused crypto platform
Crypto Support: 30+ cryptocurrencies, including Bitcoin
Parental Involvement: Co-owned by a parent, who approves funding
Educational Features: Strong educational tools, gamified learning, and rewards for smart investing
User Experience: Interactive, gamified app designed for teens
Fees: Around $3/month subscription
Age Range: 13–17
Extras: Rewards system for responsible investing

UNEst

An adult Manages the Money: UNest uses a special type of account where an adult, usually a parent, takes care of the money for the child.

This adult manages the account until the child becomes an adult themselves (at age 18 or 21, depending on where you live).
Once they're an adult, the child gets full control of the money.
Money for Anything: Unlike some other savings plans that are only for college, the money saved in UNest can be used by the child for any important purpose once they take control – like college, buying a home, starting a business, or even travel.

Summary

Last Words

EarlyBird is a great choice for a simple crypto savings account for a young child.
Stack is ideal for a teenager who wants to learn about and actively invest in crypto.
BYDFi is best for a more advanced teen trader with strong parental supervision.

Each platform has its strengths: