3% interest:
Your money earns more
3% interest p.a.2 (fix) on cash of up to €500,000 in PRIME+ and €50,000 in FREE.
Investing involves risks.
Save more, save better
The following conditions apply to Scalable accounts from October 1. For current effective conditions, please refer to this page.
FREE |
PRIME+ |
|
|---|---|---|
Interest1 |
2% p.a.* (variable) |
2% p.a.* (variable) |
Interest campaign (fixed until 31 Dec. 20252) |
3% p.a. |
3% p.a. |
Cash distribution |
Scalable, partner banks and qualifying money market funds. |
Scalable and partner banks. |
1 Variable interest rate. Interest rate on Baader Bank accounts is 0.85% p.a. on up to €100,000, only in PRIME+.
2 3% p.a. promotional interest (fixed) until 31.12.2025 for eligible clients, up to €500,000 in PRIME+ and €50,000 in FREE. Terms and conditions apply. 2% p.a. interest (variable) on Broker cash balances unlimited in PRIME+ and up to €100,000 in FREE. The interest rate is based, among other things, on the respective market rate. The allocation of cash balances is variable and takes into account available capacities, conditions and client activity. Balances at 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 products not listed in the table and for which no separate interest rate has been agreed upon, no interest will be paid.
FAQs
More questions about our offering are answered in our Help Center.
Cash balances in PRIME+ will be held among Scalable Capital Bank and multiple partner banks, from October 1, 2025 onwards. When distributing cash, we also consider the amount held by Scalable Capital at the respective bank, the statutory deposit protection of €100,000 per customer and bank, and any additional protection schemes. We distribute all other cash balances across partner banks and qualified money market funds in addition to Scalable Capital Bank. These rules for cash distribution can be changed without notice.
We exercise the necessary care and diligence when selecting, commissioning and regularly monitoring partner banks and qualifying money market funds. As part of our due diligence, we continuously review the need for allocation to various partner 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 partner 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 will be calculated to the day and is paid to you quarterly.
Clients earn 2% interest p.a.* (variable) on uninvested cash of up to €100,000 in the FREE Broker and unlimited amount in the PRIME+ Broker.
These conditions apply to Scalable accounts from October 1, 2025. For current effective conditions, please refer to this page.
Cash balances are held at partner 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. Scalable Capital and the partner 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. Find all links and the documents of the partner banks and qualifying money market funds here.
Please note our risk information on the safekeeping of cash balances.
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.
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.
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.
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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