Scalable Overnight account
2.50%
interest p.a.*
Earn interest on your cash. Paid monthly, with no minimum.*
Investing involves risks.
2.50% interest* 2.50% gross interest per year on unlimited cash in all pricing models. No minimum deposit, always available and accessible in the app. The interest rate may increase or decrease. |
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Monthly Payout Interest is calculated daily and paid out monthly on a pro-rata basis. Every cent is reinvested to maximize the compounding effect. |
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Security With PRIME+, your cash is held exclusively at banks, with a deposit guarantee of up to 5 x €100,000. Without PRIME+, cash is distributed across banks and money market funds, which are instead protected under UCITS rules. |
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.
Without PRIME+ |
With 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 instead of the statutory deposit guarantee, 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.
Without PRIME+, your cash is distributed across banks, each with a statutory deposit guarantee of €100,000, or money market funds where European investor protection rules (UCITS) apply, regardless of the investment amount.
You can view the distribution at any time in your app under Product details > Balance allocation.
