Your money earns more
With Scalable your money can work in different ways: Choose between bonds, ETFs or money on your Broker account.
Investing involves risks.
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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 |
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|---|---|---|---|---|---|
Interest rate |
3% p.a. (variable) |
Up to 3.4% p.a |
Up to 3.77% p.a. (euro) or 5.19% (dollar)1 |
Up to 3.165% p.a. (€STR, status: December 2024) |
Target return 3.1% p.a.2 |
Selection of securities |
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Term |
Unlimited |
3 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 |
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Investing involves risks.
1 Note currency risk. Learn more.
2 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 29 November 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
We will forward 3.25% p.a. variable interest on uninvested cash of up to €50,000 in the FREE Broker and €500,000 in the PRIME+ Broker to clients with a Scalable Capital custody account. Cash balances are safeguarded in accounts with partner banks and in money market funds. Initially, these are Deutsche Bank, J.P. Morgan Asset Management, DWS and BlackRock. The statutory deposit guarantee of the partner banks is €100,000 per client. For money market funds European investor protection rules (UCITS) apply regardless of the amount.
Interest is calculated on a daily basis and forwarded to your clearing account quarterly.
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. The statutory deposit guarantee of the partner banks is up to €100,000 per client. 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.
We collaborate with partner banks offering statutory deposit protection of up to €100,000 per bank, and use money market funds adhering to UCITS protection standards, regardless of the investment 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.