3% interest p.a.* until 31 Dec. 2025. No minimum amount. Withdraw available cash whenever you want.
Your money earns more
3% interest p.a.*
Own your finances with low-cost trading, savings plans from just €1 and 3% interest p.a.*
Terms and conditions apply.
Investing involves risks.
3% interest p.a. on cash* Your money earns more. |
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No minimum term Calculated daily. Quarterly payout. |
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Until 31 Dec. 2025 Deposit and withdraw available cash whenever you want. |
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Invest in stocks, ETFs, crypto & more Trade and set up savings plans from just €1. |
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Join 1+ million people and download the app |
Start shaping your
financial future
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All in just one app: Stocks, ETFs, interest, bonds, funds, crypto and more |
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Trade as much as you want with the flat rate in PRIME+ for €4.99/month |
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Reach long-term goals with savings plans starting from €1 |
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Declare taxes with the help of our free tax report |
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.