The whole eighteen-year cost, before you start.
Kids’ money apps are sold monthly because monthly is how the cost disappears. Typical plans run €650–2,600 over a childhood. We charge nothing per month and nothing per year, and we would rather show you why than ask you to trust it.
Every month, forever
No subscription, ever. On an eighteen-year product a monthly fee is not a price, it is a slow leak — and it would make leaving expensive at exactly the wrong moment.
Every year, on the balance
Nothing is charged for holding the capsule. We earn when money goes in, not while it sits — so a quiet decade costs your family exactly nothing.
Once, on each deposit
Charged when the money becomes the capsule’s asset, and never again on money already inside. Every figure on this site is shown after it.
| Item | Price | The honest detail |
|---|---|---|
| Opening a capsule | Free, forever | Including the recovery kit, the guardian setup, and the rehearsal. |
| Gift by bank transfer | Free | The giver pays nothing and the whole gift goes in. |
| Gift by card | €1.99 flat | Paid by the giver, shown in full before they pay, plus the card network’s own processing cost. Never a percentage of the gift, so a large gift is never punished. |
| Buying the capsule’s asset | 0.75% of each deposit | Once per deposit. Not a yearly fee, not charged on growth, not charged again at 18. |
| Holding it for eighteen years | €0 | A Bitcoin capsule earns no interest, so there is no yield for us to share. On the Euro and Dollar capsules coming soon, which do earn interest, we keep one euro in five of what is earned and never touch the deposits. |
| The emergency path | Never fee’d | No fee may ever stand between a family and their own capsule. This one is a rule, not a price. |
| Unsealing at 18 | Free | Taking self-custody is always free. If your child asks us to run the identity checks and pay out to a bank account, that service is 0.5% capped at €100 — waived entirely if they keep the capsule with us. |
| Premium (optional) | €129 once | Capsules for every child in the family, the media archive, and the premium printed kit. Once, not €12.99 a month for eighteen years. |
| Keepsakes (optional) | €4.99 – €19.99 | A sealed video message or a printed capsule card, offered when someone gives. Skippable in one tap, and skipping costs the child nothing. |
A family giving €600 a year for eighteen years
Ten card gifts a year from relatives, eight by transfer, one capsule, one child. Everything below is the total Till18 charges across the entire eighteen years — not per year, and not per month.
€10,800 deposited × 0.75% = €81, plus 10 card gifts a year at €1.99 paid by the givers. Premium and keepsakes are optional and excluded. Card-network processing costs are set by the networks, not by us.
Why we price it this way.
Because subscriptions punish the quiet years
The best thing a family can do with a capsule is forget about it for a decade. A monthly fee turns that into the most expensive possible behaviour, and turns our incentive against yours.
Because a flat gift fee is honest
A percentage on gifts would quietly tax generosity: the grandparent giving €500 would pay ten times the one giving €50, for identical work. So the card fee is flat and shown before payment.
Because custody must never be behind a paywall
No fee gates your keys, your recovery kit, the emergency path, or your child’s claim at 18. If we ever go under, nothing your family needs is on the other side of a payment.
Because we would rather earn it at 18
The unlock service is optional, capped, and waived if your child stays. That is the only place we are genuinely trying to win something, and by then we will have had eighteen years to deserve it.
Their 18th birthday is already on the calendar.
Setting one up takes ten minutes. We open capsules in small groups so every founding family gets a real conversation.
For parents and guardians (18+). One email to confirm, one when your capsule is ready — nothing else.
iPhone and Android apps arrive with the first capsules. Everything works in a browser on day one.