• Market-leading interest rate: The Scalable Overnight account offers 2.50% interest (variable) on unlimited cash balances for all clients.
• Maximum flexibility: Interest paid monthly, no minimum deposit, daily availability, and a dedicated IBAN for convenient deposits and withdrawals.
• Deposit guarantee: Up to 5 x €100,000 deposit guarantee between Scalable Capital Bank and four partner banks possible.
• More banking services: With the new Overnight account, Scalable Capital continues to expand its offering for savers.

Munich, 16th March 2026 – Scalable Capital continues to grow its savings offering: starting today, both new and existing clients can benefit from 2.50% interest p.a. (variable) on the new Scalable Overnight account. Whether saving for a rainy day or with a specific goal in mind, Scalable Capital clients can now invest their money with even more flexibility and security. The Overnight account benefits from no minimum deposit, monthly interest payments, and withdrawals at any time. Opening an account is fast, digital and free of charge.

“Interest is the clearest commitment a bank can make to its clients. By adding a separate Overnight account with a market-leading interest rate, we've made our savings offering even more attractive,” says Erik Podzuweit, Founder and Co-CEO of Scalable Capital. “Saving and investing are the foundation of private wealth management: whether planning for retirement, saving for the next holiday, or investing on behalf of children, Scalable Capital now offers the ultimate flexibility for all your financial goals.”

Market-leading interest – transparent, flexible and secure

The Scalable Overnight account offers 2.50% interest p.a., and thereby currently exceeds the European Central Bank deposit interest rate (currently 2.00% p.a.). Interest is accrued daily and paid monthly - on unlimited cash balances. Thanks to the monthly payment, 2.50% interest p.a. results in a benefit of 0.2 percentage points over five years compared to annual payouts. Scalable Capital is committed to transparency: there are no account management fees or short-term promotional rates. This means that all existing clients can immediately receive 2.50% interest on their savings as well: opening an Overnight account in the app or via the web takes less than a minute and does not require renewed identification. To ensure a smooth transition, existing clients will continue to receive interest in their broker clearing account until 31st March 2026.

Cash can be transferred between the new Scalable Overnight account and the Broker clearing account instantly, making it immediately available for trading. A dedicated IBAN also enables instant deposits from an external reference bank account.

PRIME+ clients receive up to 5 x €100,000 statutory deposit guarantee through distribution across Scalable Capital Bank and currently four partner banks. Balances exceeding this are distributed across banks with a voluntary deposit guarantee. In FREE, balances are held at Scalable Capital Bank and partner banks with the statutory deposit guarantee of €100,000 per customer per bank, as well as in qualified money market funds. For money market funds, the UCITS protection standards apply instead of the deposit guarantee, regardless of the investment amount. Clients can view their individual breakdown at any time in the app and on the web.

Access to investment and banking services is now even easier

With the new Scalable Overnight account, Scalable Capital caters to risk-conscious savers looking for an alternative to traditional savings accounts. The company is continually expanding its product range, setting new standards to provide clients everything they need for investing, saving, and financing. They are supported throughout their lives - from the first euro invested in a savings plan all the way to retirement. The comprehensive product range spans interest, ETFs, stocks, savings plans, bonds, cryptocurrencies, derivatives, and private equity via ELTIF. Furthermore, since 2024, the company has offered the European Investor Exchange – a regulated exchange specially developed for European retail investors – which provides additional flexibility through extended trading hours from 7:30 a.m. to 11 p.m. as well as a broad product universe.

About Scalable Capital

Scalable Capital is a leading bank that empowers people in Europe to shape their own finances. Scalable Capital makes it easy and affordable for clients to invest professionally in stocks, ETFs, cryptocurrencies, and derivatives and set up savings plans. Attractive interest and private equity complement the range of products and services. With the European Investor Exchange, Scalable Capital offers an exchange specifically for retail investors. More than one million clients already have a total of more than €40 billion on the platform.

Founded in 2014, Scalable Capital now employs over 700 people across Munich, Berlin, Vienna, Milan, and London. Together with the founding and management team led by Erik Podzuweit and Florian Prucker, Scalable Capital is building the next generation of financial services.

Further information at: it.scalable.capital. A factsheet, photos, and previous press releases are available in the Newsroom.

For press enquires:

Rita Arcuri +39 333 2608159
Carlo Sardanu +39 3758856565
Angèlia Comunicazione
scalable@angelia.it