Interest on your cash

Benefit from savings plans from €1, trading flat rate and interest (Baader Bank) with the PRIME+ Broker.

There are risks associated with investing.

2.6% p.a. interest for PRIME+. Cash account at Baader Bank AG. Variable rate up to €100,000. Learn more.

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build their wealth
with Scalable

€20 billion

in client assets


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Security

Custody of securities with
a German custodian bank

Interest info row ENi18n

Your money earns more - with PRIME+.

Benefit from interest and trading flat rate now. Start now

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Deposit up to €100,000

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Quarterly interest payments

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Deposits and withdrawals at any time

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Trading flat rate: Unlimited trading of shares, ETFs, funds and derivatives

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Unlimited savings plans on ETFs and shares

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Unlimited number of portfolio groups and price alerts

Earn interest
- in just a few steps

2.6% p.a. interest for PRIME+. Cash account at Baader Bank AG. Variable rate up to €100,000. Learn more.

3 steps EN

Overview over interest products

Discover all ways to benefit from interest with Scalable. In addition to overnight money, bonds and ETFs offer a good and simple way to benefit from interest.

Interest
On your cash

iBonds
Basket of corporate and government
bonds with fixed terms

Money market ETFs
Benefit from current interest rates

Interest

2.6% p.a.1

Up to 3.77% p.a. (euro) or 5.19% (dollar)2

Up to 3.163% p.a.
(€STR, status: November 2024)

Selection of securities

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IE0000VITHT2
IE000I1D7D10
IE0007UPSEA3

LU0290358497
IE00B3BPCH51
LU0335044896

Term

Unlimited

Depending on the product (2-5 years)

Unlimited

Availability

PRIME+ Broker

Tradable in all Scalable Broker price plans
(FREE, PRIME+)

Learn more

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There are risks associated with investing.

1 2.6% p.a. interest for PRIME+. Cash account at Baader Bank AG. Variable rate up to €100,000. Learn more.

2 Note currency risk. Learn more.

Frequently asked questions

Can existing clients also receive interest?
 

Yes, all existing PRIME+ Broker clients (formerly PRIME Broker flex, with monthly payment) will automatically receive interest on their cash up to €100,000 from 1 February 2023.

If you do not yet use the PRIME+ Broker, simply change the broker model in the customer area under "Products" and benefit from the interest. The interest is calculated on a daily basis and paid out quarterly to the clearing account.

Is there a fixed holding period for the credit?
 

There is no minimum holding period, the interest offer is available daily. Interest is calculated – starting 1 February 2023 – to the day and paid out quarterly.

Where is my cash held and how is it protected?
 

Balances are held by Baader Bank AG and are protected by the German EdB deposit protection scheme up to a deposit amount of €100,000 and beyond that by the Deposit Protection Fund of Private Banks (BdB). Further information on the scope of protection provided by the Deposit Protection Fund can be found here.

Do I have to pay tax on interest?
 

Interest, like dividends from stock or gains from the sale of securities, may be subject to tax. Scalable Capital offers an intuitive tax report to assist you with your tax filing. You can find more information about taxes here.

When will I receive the interests?
 

Interests will be calculated to the day and paid out quarterly from 1 February 2023. After the end of a calendar quarter, you will receive the interest on your broker account. For the first quarter, the payment will be made in April, for the second quarter in July, etc.

How safe are my money and my investments? What happens in case of insolvency of Scalable Capital or the partner bank (Baader Bank AG)?
 

Balances are held by Baader Bank AG. In case of insolvency of Baader Bank, the balance of your clearing account is protected by the statutory deposit protection of the EdB up to a deposit amount of 100,000 euros (see details at www.edb-banken.de) and beyond that by the Deposit Protection Fund of private banks (BdB). Further information on the scope of protection of the Baader Bank by the Deposit Protection Fund can be found here.

In the event of insolvency of the custodian bank, you have a claim to surrender of your securities. These do not fall into the insolvency estate and are therefore also protected.

As a securities institution, Scalable Capital is not authorised to take possession or ownership of client assets. The assets of the clients are held in custody by our partner bank. In the event of Scalable Capital's insolvency, the client assets will therefore not fall into the insolvency estate of Scalable Capital GmbH.

Furthermore, Scalable Capital GmbH is assigned to the Compensatory Fund of Securities Trading Companies (EdW). The EdW can pay compensation if an institution is no longer able to fulfill its "liabilities from securities transactions" to its customers for reasons directly related to its financial situation (and BaFin has determined the case for compensation).

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