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.

For new clients: 4% p.a. interest (Baader Bank) on up to €1 million for 4 months. Thereafter 2.6% p.a. variable interest on up to €100,000. Interest only with PRIME+. Learn more.

+1 million build their wealth with Scalable		+ €20 billion in client assets		Top-rated app		Security Custody of securities with a German custodian bank

Your money earns more - with PRIME+.

Benefit from interest and trading flat rate now. Start now

4% interest p.a.

	For up to €1 million cash deposit
	Quarterly interest payments
	Deposits and withdrawals at any time

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

Unlimited savings plans on ETFs and shares

Unlimited number of portfolio groups and price alerts

Earn interest
- in just a few steps

For new clients: 4% p.a. interest (Baader Bank) on up to €1 million for 4 months. Thereafter 2.6% p.a. variable interest on up to €100,000. Interest only with PRIME+. Learn more.

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	Bonds Secure current interest rates for 3 years	iBonds Basket of corporate and government bonds with fixed terms	Money market ETFs Benefit from current interest rates	InterestInvest Sit back and automatically profit from interest
Interest	4.0% p.a.¹	Up to 3.2% p.a	Up to 3.77% p.a. (euro) or 5.19% (dollar)²	Up to 3.899% p.a. (€STR, status: April 2024)	Target return 3.9% p.a.³
Selection of securities	-	DE000GQ61DQ0	IE0000VITHT2 IE000I1D7D10 IE0007UPSEA3	LU0290358497 IE00B3BPCH51 LU0335044896	-
Term	Unlimited	3 years	Depending on the product (2-5 years)	Unlimited	Unlimited
Availability	PRIME+ Broker	Tradable in all Scalable Broker price plans (FREE, PRIME, PRIME+)			In Scalable Wealth
	Learn more	Learn more	Learn more	Learn more	Learn more

There are risks associated with investing.

¹ 4.0% p.a. interest for four months. Variable interest on up to €1.000.000. Thereafter 2.6% p.a. Interest offer with PRIME+. Account with Baader Bank AG. Variable interest on up to €100.000. Learn more.

² Note currency risk. Learn more.

³ The target return is variable and depends on market developments. It was calculated on the basis of the portfolio components’ return as of 2nd April 2024. The ETF costs (0.13% p.a.) and wealth management/trading fees (0.75% p.a.) will have a yield-reducing effect. Expected returns are forecasted and do not represent a reliable indicator of future performance.

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.

Switching from the PRIME Broker (with annual payment)? No problem, the annual fee already paid is automatically refunded proportionately.

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.

You have to pay fees for PRIME+ does the interest offer pay off at all?

For only €4.99 per month, PRIME+ offers the highest interest rates¹, trading without order fees², unlimited savings plans and many helpful features. You always keep an overview with portfolio groups, recognise adverse price movements early on with price alerts and can calculate the execution probabilities of limit or stop orders with "Smart Predict".

¹ Starting 01/02/2023 for PRIME+. Cash account at Baader Bank AG. Variable rate up to €100,000. Learn more
² €0 for trades starting from €250 order volume, below trades cost €0.99. €0 for savings plan executions. Product costs, spreads, crypto fees and /or inducements may apply. Learn more.

Scalable Capital interest - is there a catch?

The interest in the Scalable PRIME+ Broker is calculated – starting 1 February 2023 – to the day and paid quarterly to your clearing account. Your cash is held with the German custodian bank, Baader Bank AG, and is subject to German deposit protection.

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).

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.

For new clients: 4% p.a. interest (Baader Bank) on up to €1 million for 4 months. Thereafter 2.6% p.a. variable interest on up to €100,000. Interest only with PRIME+. Learn more.