2.02% APR interest:
Your money earns more

2.02% APR interest* (variable) on your cash — unlimited in PRIME+ and up to €100,000 in FREE.

Investing involves risks.

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 protected up to €100,000 per customer per bank under the statutory deposit protection scheme.

Save more, save better

The following conditions apply to Scalable accounts from October 1. For current effective conditions, please refer to this page.

	FREE	PRIME+
Interest¹	2.02% APR* on up to €100,000	2.02% APR* on an unlimited amount
Cash distribution	Scalable, partner banks and qualifying money market funds.	Scalable and partner banks.

¹ Variable interest rate. Interest rate on Baader Bank accounts is 0.85% p.a. on up to €100,000, only in PRIME+.

For products not listed in the table and for which no separate interest rate has been agreed upon, no interest will be paid.

FAQs

More questions about our offering are answered in our Help Center.

Cash balances in PRIME+ will be held among Scalable Capital Bank and multiple partner banks, from October 1, 2025 onwards. When distributing cash, we also consider the amount held by Scalable Capital at the respective bank, the statutory deposit protection of €100,000 per customer and bank, and any additional protection schemes. We distribute all other cash balances across partner banks and qualified money market funds in addition to Scalable Capital Bank. These rules for cash distribution can be changed without notice.

We exercise the necessary care and diligence when selecting, commissioning and regularly monitoring partner banks and qualifying money market funds. As part of our due diligence, we continuously review the need for allocation to various partner banks and/or qualifying money market funds. In doing so, we take into account the available capacities at the partner banks, the respective conditions of the partner banks and qualifying money market funds, your deposits and withdrawals, your trading activity as well as taxes and fees. This means that you can carry out all transactions regardless of how your cash is distributed. The distribution of your cash balance can vary accordingly and is not subject to a fixed ratio. This can also mean that your cash balance is only held at a partner bank or only at a qualifying money market fund.

You can view the distribution of the cash balances in your Scalable account in the monthly account statement and at any time in your app or on the web.

Please note our risk information on the safekeeping of cash balances.

Interest will be calculated to the day and is paid to you quarterly.

Clients earn 2% interest p.a.* (variable) on uninvested cash of up to €100,000 in the FREE Broker and unlimited amount in the PRIME+ Broker.

These conditions apply to Scalable accounts from October 1, 2025. For current effective conditions, please refer to this page.

Cash balances are held at partner banks and money market funds without a fixed term and with variable interest rates. The respective interest rate is based on the conditions on the money markets and/or capital market and the ECB's interest rate for deposits. Scalable Capital and the partner banks may raise or lower their interest rates at any time. The interest rate of the qualifying money market funds, also known as the yield, can be viewed on a daily basis at the respective fund provider. Find all links and the documents of the partner banks and qualifying money market funds here.

Please note our risk information on the safekeeping of cash balances.