Scalable Overnight account
2.50% interest
Earn interest* on unlimited cash with Scalable Overnight accounts. Paid monthly.
Investing involves risks.
2.50% interest p.a.* You receive interest on unlimited cash in all pricing models. No minimum deposit, always available and accessible in the app. |
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Paid monthly Interest is calculated daily and paid out monthly. Every cent is immediately reinvested so you can maximally benefit from compounding. |
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Security With PRIME+, a deposit guarantee of up to 5 x €100,000 with banks, otherwise, distributed across banks with a deposit guarantee up to €100,000 and money market funds. |
A place to let your
money grow
Enjoy 2.50% interest p.a.* on your cash in the Scalable Overnight account. No minimum, no maximum.
Even better with PRIME+
With up to 5 x €100,000 statutory deposit guarantee* through cash distribution across Scalable Capital Bank and four partner banks.
FAQ
Answers to further frequently asked questions are answered here.
FREE |
PRIME+ |
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Interest |
2.50% p.a.* | 2.50% p.a.* |
Interest payout |
Monthly payout, daily calculation |
Monthly payout, daily calculation |
Deposit guarantee and protection standards |
Statutory deposit guarantee up to €100,000 per client at Scalable and partner banks. For qualifying money market funds, the European investor protection rules (UCITS) apply, regardless of the investment amount. |
Multiple deposit guarantee: |
Cash distribution |
Scalable, partner banks and qualifying money market funds |
Scalable and partner banks |
Availability |
Daily |
Daily | Information Sheets for depositors and Key Information Documents of the qualified money market funds. |
Interest is calculated to the day and paid monthly.
There is no limit on interest paid out. Every Euro deposited to a Scalable Overnight account earns interest.
The interest is credited monthly to your Scalable Overnight account. Every cent is immediately reinvested. Month over month, an increasing cash balance benefits from our market-leading interest rate.
Example: Over five years with 2.50% p.a.*, monthly compounding adds an additional 0.2% interest on your initial investment vs. annual compounding.
We distribute your cash across Scalable Capital and up to four partner banks. This provides a statutory deposit guarantee of up to 5 x €100,000, plus additional coverage from voluntary German deposit guarantee schemes. You can view the distribution at any time in your app under Product details > Balance allocation.
