Interest overview
Interest conditions
FREE |
PRIME+ |
PRIME | |
|---|---|---|---|
Interest1 |
2% p.a.* (variable) |
2% p.a.* (variable) |
- |
Interest campaign (fixed until 31 Dec. 2025) |
3% p.a.* |
3% p.a.* |
- |
Cash distribution |
Scalable, partner banks and qualifying money market funds. |
Scalable and partner banks. |
Scalable, partner banks and qualifying money market funds. |
Deposit guarantee and protection standards |
Statutory deposit guarantee up to €100,000 per client at Scalable and partner banks. For qualified money market funds, the European investor protection rules (UCITS) apply instead of the statutory deposit guarantee, regardless of the investment amount. |
Multiple deposit guarantee: | Statutory deposit guarantee up to €100,000 per client at Scalable and partner banks. For qualified money market funds, the European investor protection rules (UCITS) apply instead of the statutory deposit guarantee, regardless of the investment amount. |
1 Variable interest rate. Interest rate oon Baader Bank accounts is 0.85% p.a. on up to €100,000, only in PRIME+.
For products not listed in the table and for which no separate interest rate has been agreed upon, no interest will be paid.
Previous rates (Scalable account)
The overview shows the evolution of European Central Bank (“ECB”) interest rates and the interest rates we forward from partner banks and qualified money market funds for Broker cash balances as well as our rates for Credit (granted overdrafts) and tolerated overdrafts.
Effective date |
Interest rate of the ECB for the deposit facility |
Interest rate on Broker cash balances forwarded from partner banks and qualified money market funds* |
Interest rate of the ECB for main refinancing operations |
Interest rate for tolerated overdrafts |
|---|---|---|---|---|
11 June 2025 |
2.00% |
2.00% |
2.15% |
4.24% |
23 April 2025 |
2.25% |
2.25% |
2.40% |
4.49% |
12 March 2025 |
2.5% |
2.5% |
2.65% |
4.74% |
5 February 2025 |
2.75% |
2.75% |
2.90% |
4.99% |
18 December 2024 |
3.00% |
3.00% |
3.15% |
5.24% |
10 December 2024 |
3.25% |
3.25% |
3.40% |
5.49% |
All rates shown are per annum (p.a.).
Notes on interest rate changes in your Scalable account
All interest rates are variable. Adjustments of the interest rates for Credit (granted overdrafts) and for tolerated overdrafts are based on changes in the interest rate of the ECB for main refinancing operations. Further details on the calculation of interest rates for Credit and for tolerated overdrafts can be found in our client documentation.
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 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 qualified 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 qualified money market funds here.