New: Scalable Fixed-term account with 3% APR (3% NIR)* for 12 months

Invest with Scalable Capital

Get set for life

Invest, save and earn interest on your cash.

Investing involves risks.

The following applies to bank accounts:
1 / 6	This number is indicative of the risk of the product, with 1/6 indicating lower risk and 6/6 indicating higher risk.
Scalable Capital Bank and our partner banks are members of statutory deposit guarantee schemes. Deposits are guaranteed up to €100,000 per customer per bank under the statutory deposit guarantee scheme.
The following applies only to Fixed-term accounts:
🔒🔒 The redemption, withdrawal, or early cancellation of all or part of the principal invested are subject to fees or penalties.

The following applies to investments in stocks:
6 / 6	This number is indicative of the risk of the product, with 1/6 indicating lower risk and 6/6 indicating higher risk.

Scalable Fixed-term accounts

Secure 3% APR (3% NIR)* for 12 months.

	Secure guaranteed interest on fixed terms
	Start from €1, without a maximum
	Open up to 5 accounts

Finances for everyone

All in one app.

Invest

Invest in ETFs, stocks and co. with the Scalable Broker.

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Save

Earn 3% p.a. APR* for 12 months with Scalable Fixed-term and 2.63% APR* with Overnight accounts.

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Agentic

Connect your AI assistant to analyse your portfolio, monitor markets and trade with Scalable Agentic Investing.

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Kid’s account

Empower your child’s financial future: With Scalable Pocket Money, Saving Sponsors, and more.

¹ Special conditions apply.

Capital investments

Investing involves risks. Derivatives and Cryptocurrencies entail high risks. Private Equity is subject to liquidity restrictions, consider specific product information. The value of your investment may fall or rise. Losses of the capital invested may occur. Past performance offers no reliable indication of future performance. Please refer to our risk information.

Cash

*2.63% variable APR (2.60% NIR) on unlimited Overnight savings, clearing accounts as per interest overview. Contracted base rate variable rate linked to ECB deposit facility rate plus 0.10% spread capped at 2.60%. Interest variable, for instance based on market rates. With PRIME+, up to 5 x €100,000 statutory deposit guarantee by allocating across up to 5 banks. Without PRIME+, allocation across banks with statutory deposit guarantee or money market funds where European investor protection rules (UCITS) apply, each possible as sole safekeeping method. Interest paid monthly. Fixed-term savings with guaranteed interest paid at maturity on unlimited cash allocated across one or more banks with €100,000 statutory deposit guarantee. Additional voluntary deposit guarantee possible. Allocations are variable, for instance based on capacities and conditions. Early cancellation is not permitted, except in exceptional cases.

Representative examples:

Overnight: 2.63% APR (2.60% NIR) earns gross interest of €260 on a daily balance of €10,000 over 12 months.
Fixed-Term: A 12 month term deposit with 3% APR (3% NIR) earns gross interest of €300 paid at maturity on a balance of €10,000.

Taxes

Scalable Capital does not provide tax advice. Tax treatment is individual and can change.

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