Your money earns more
Forwarded 3% interest p.a.* on Broker balances of up to €500,000 in PRIME+ and €50,000 in FREE.
Investing involves risks.
Current interest rates for Broker cash balances
Variable interest rates |
FREE Broker |
PRIME+ Broker |
PRIME Broker |
|---|---|---|---|
Scalable account |
3% p.a. (fixed until 31 Dec., 2025) |
3% p.a. (fixed until 31 Dec., 2025) |
- |
Baader Bank account |
- |
0.85%1 p.a. |
- |
All rates shown are per annum (p.a.).
1The bank is entitled to adapt the interest rate and tiering system to the conditions on the money market and/or capital market by increasing or decreasing them, taking the refinancing options into account. For the current interest rate and tiering system please refer to Baader Bank’s special conditions governing the Schedule of Prices.
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.
Under what conditions can the forwarded interest rate change?
Cash balances are held at trustee banks and money market funds without a fixed term and with variable interest rates. The respective interest rate is based on the conditions on the money markets and/or capital market and the ECB's interest rate for deposits. The trustee banks may raise or lower their interest rates at any time. The interest rate of the qualifying money market funds, also known as the yield, can be viewed on a daily basis at the respective fund provider. You can find all links and the documents of the trustee banks and qualifying money market funds here:scalable.capital/documents-information.
Please note our risk information on the safekeeping of cash balances.
Are my assets safe? What happens in case of insolvency of Scalable Capital or the partner banks?
Cash balances
We allocate cash balances to trustee banks and qualifying money market funds with the necessary care and diligence. The distribution can change continuously and depends on the available capacities, conditions and customer activity. This may also mean that your assets are only held at one partner bank or only at one qualifying money market fund.
Clients’ cash balances - regardless of whether they are held in collective trust accounts with a partner bank or with qualifying money market funds - are not affected by the insolvency of Scalable Capital.
In the event of the insolvency of a partner bank, the corresponding deposits are protected by the statutory deposit guarantee up to €100,000 per client per bank. In the case of qualifying money market funds, the UCITS protection standards apply instead of the deposit guarantee, irrespective of the amount. In addition, allocations in qualifying money market funds are protected as special assets for an unlimited amount and are not affected by the insolvency of the capital management company.
Please note our risk information on the safekeeping of cash balances.
Securities
In case of insolvency of Scalable Capital, you are entitled to the return of your securities. These are not part of the bankruptcy estate and are protected to an unlimited extent.
Overview over interest products
Money market, bonds, ETFs, and more – explore opportunities to make more of your money.
Interest forwarded |
Bonds | iBonds | Money market ETFs |
InterestInvest |
|
|---|---|---|---|---|---|
Interest rate |
3% p.a.* |
Up to 3.1% p.a. |
Up to 3.77% p.a. (euro) or 5.19% (dollar)2 |
Up to 1.925% p.a. (€STR, status: August 2025) |
Target return 2.4 % p.a.3 |
Selection of securities |
- |
- |
|||
Term |
Unlimited |
Depending on the product (3-5 years) |
Depending on the product (2-5 years) |
Unlimited |
Unlimited |
Availability |
On cash on your broker account |
Tradable in all Scalable Broker price plans |
In Scalable Wealth |
||
Investing involves risks.
2 Note currency risk. Learn more.
3 The target return depends on market developments and is shown before costs. It was calculated on the basis of the portfolio components’ return as of 06 August 2025. 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
Eligible Participants receive 3% interest p.a. fixed on up to €500.000 in PRIME+Broker and €50.000 in FREE Broker until 31. December 2025. Interest earned on uninvested cash balances is forwarded from partner banks and selected money market funds.
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.
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 part of the insolvency estate of Scalable Capital or the fund issuer.
Please note our risk information on the safekeeping of cash balances.
There is no minimum holding period. Interest will be calculated daily and forwarded to you quarterly.
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.
Interest, like dividends or profits from the sale of securities, may be subject to tax. Scalable Capital provides its Austrian clients with an intuitive tax report to support them with their tax return. You can find more information about taxes on investment income here.
Interest accrues daily on your uninvested cash and is forwarded to your clearing account after the end of each calendar quarter. For the first quarter, you will receive it in October, for the second quarter in January, and so on.
Cash balances: We allocate cash balances to trustee banks and qualifying money market funds with the necessary care and diligence. The distribution can change continuously and depends on the available capacities, conditions and customer activity. This may also mean that your assets are only held at one partner bank or only at one qualifying money market fund.
Clients’ cash balances - regardless of whether they are held in collective trust accounts with a partner bank or with qualifying money market funds - are not affected by the insolvency of Scalable Capital.
In the event of the insolvency of a partner bank, the corresponding deposits are protected by the statutory deposit guarantee up to €100,000 per client per bank. In the case of qualifying money market funds, the UCITS protection standards apply instead of the deposit guarantee, irrespective of the amount. In addition, allocations in qualifying money market funds are protected as special assets for an unlimited amount and are not affected by the insolvency of the capital management company.
Please note our risk information on the safekeeping of cash balances.
Securities: In case of insolvency of Scalable Capital, you are entitled to the return of your securities. These are not part of the bankruptcy estate and are protected to an unlimited extent.
New clients who open a Scalable Broker account for the first time from August 1, 2025 onwards, are eligible to participate.
Eligible Participants receive 3% interest p.a. fixed on up to €500.000 in PRIME+Broker and €50.000 in FREE Broker until 31. December 2025 Interest earned on uninvested cash balances is forwarded from partner banks and selected money market funds.
The offer applies to both the FREE Broker and the PRIME+ Broker: Eligible participants receive 3% interest p.a. until December 31, 2025 – on up to €50,000 in the FREE Broker and up to €500,000 in the PRIME+ Broker.
No, there is no minimum balance required.
Yes, but please note the following:
If an Eligible Participant changes their Broker model from PRIME+ to FREE during the promotion period, the promotional interest rate applies to the amount exceeding €50.000 only for the duration of the PRIME+ Broker model.
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