For new clients: 3.5% interest* until Dec. 31, 2025. Withdraw available cash whenever you want.
Your money is worth more
3.5% interest*
For new clients: Open an account with Scalable and benefit from 3.5% interest on the cash deposited until December 31, 2025.*
No salary deposit required. Deposit and withdraw available cash whenever you want.
Terms and conditions apply.
Investing involves risks.
3.5% p.a. on cash* No salary deposit required |
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No minimum term Deposit and withdraw available cash whenever you want |
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Until Interest calculated daily, paid every 3 months |
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Stocks, ETFs, crypto & more Trade and set up savings plans from just €1 |
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Join 1+ million people and download the app |
All in one app: 3.5% interest*, stocks, ETFs, funds and savings plans starting from €1
For new clients: open a Scalable account, deposit up to €500,000 and start growing your savings with 3.5% interest*.
No commitments, no minimum amount or salary deposit required, withdraw available cash any time. You can also create savings plans in stocks and ETFs starting from €1 and without order costs. Enjoy the freedom to grow your savings.
How to get 3.5% p.a. with Scalable Broker in three steps:
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Open a Scalable Broker account in minutes. |
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Deposit up to €500,000 in PRIME+ Broker and up to €50,000 in FREE Broker. |
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Receive 3.5% p.a. on your cash until December 31, 2025. Withdraw available cash whenever you want. |
Why open a Scalable Broker account?
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Regulated German platform. |
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Easy to use, via app or web. |
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Deposit and withdraw available cash anytime. |
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Invest the way you want, starting from €1. |
How does Scalable distribute cash balances?
We want to pass on attractive interest rates and thus provide a competitive offer. To this end, we distribute the cash balances among trustee banks and qualifying money market funds. We exercise the necessary care and diligence when selecting, commissioning and regularly monitoring trustee banks and qualifying money market funds. As part of our due diligence, we continuously review the need for allocation to various trustee 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 trustee 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.
Frequently asked questions
We pay 3.5% fixed interest* per annum until 31.12.2025 on your Scalable Broker account balances of up to €500,000 with PRIME+ and €50,000 with FREE from partner banks and qualifying money market funds. Cash balances are held in accounts at partner banks and in qualifying money market funds. Initially, these are Deutsche Bank, JP Morgan Asset Management, DWS and BlackRock. Deposits are protected up to €100,000 per customer and per bank under the statutory deposit protection scheme. For qualifying money market funds, European investor protection rules (UCITS) apply regardless of the amount.
For your broker account, we work with partner banks as well as qualifying money market funds. These are closely regulated funds that have to meet the following requirements:
- Adhere to European investor protection rules (UCITS), regardless of the amount you invest.
- Their primary aim is to keep the value of the fund stable.
- They invest exclusively in high-quality short-term instruments (e.g., treasury bills, commercial papers, or certificates of deposit) with an average maturity of 60 days.
- Provide liquidity through same-day or next-day settlement.
Like all securities, money market funds are segregated assets and therefore would not be part of the insolvency assets of Scalable Capital or the fund issuer.
Please be aware of the risks of money market funds.
There is no minimum holding period. Interest will be calculated daily and forwarded to you quarterly.
Cash balances are safeguarded in accounts with partner banks and in money market funds. Deutsche Bank, J.P. Morgan Asset Management, DWS and BlackRock are included from the start. Deposits are protected up to €100,000 per customer per bank under the statutory deposit protection scheme. For money market funds European investor protection rules (UCITS) apply regardless of the amount.
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.
Interests will be calculated to the day and is forwarded to you quarterly. After the end of a calendar quarter, we will forward the interest to your broker account. For the first quarter of a year, this will happen in April, for the second quarter in July, etc.
Cash balances are safeguarded in accounts with partner banks and in money market funds. Deposits are protected up to €100,000 per customer per bank under the statutory deposit protection scheme. For money market funds European investor protection rules (UCITS) apply regardless of the amount.
In the event of insolvency of Scalable Capital, you have a claim to surrender your securities. These do not fall into the insolvency estate and are therefore also protected.
Talking about us
There are risks associated with investing. The value of your investment may fall or rise. Losses of the capital invested may occur. Past performance, simulations or forecasts are not a reliable indicator of future performance. Please refer to our risk information.
*3.5% interest p.a. fixed on up to €500,000 in PRIME+ and €50,000 in FREE until 31.12.2025 for eligible clients, terms and conditions apply. Interest on uninvested cash balances is forwarded from partner banks and qualifying money market funds. After 31.12.2025, the regular variable interest rate as per our website applies. The allocation of cash balances is variable and takes into account available capacities, conditions and client activity. Balances at partner banks are protected up to €100,000 per client per bank under the statutory deposit guarantee scheme. For qualifying money market funds, instead of the statutory deposit guarantee scheme, European investor protection rules (UCITS) apply regardless of the amount.
Please note our risk information on the safekeeping of cash balances. Further information on interest is available here.
Scalable Capital
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