Account transfer to
the new Scalable
In Q4 2025 Baader accounts of users with both a Baader and a Scalable account (Scalable Broker and Wealth) will be transferred to the new Scalable account.
The account transfer at a glance
The transfer is free of charge, automatic and includes:
 |
Securities with fractions |
|
Savings plans |
|
Cash |
|
Documents, transaction and performance history |
After the weekend of the transfer, your Baader accounts including clearing accounts will be closed permanently. Any other business relationships with Baader Bank are not affected.
Important note for our Austrian clients: A securities account transfer may, under certain circumstances, be treated as a deemed sale under Austrian tax law if it is not reported properly or in due time. This could result in a 27.5% capital gains tax on unrealised profits. Please report the securities account transfer yourself or through a tax advisor, if applicable. Scalable Capital can arrange for the appropriate reports to be generated and made available in your mailbox. Scalable Capital does not provide legal and/or tax advice.1
Process of the account transfer
Limitations only apply to your Baader account. Your new Scalable account can continue to be used throughout the transfer process. Restrictions to the client area will apply temporarily outside of trading hours during the weekend of the transfer.
Uncertain whether this applies to you? Navigate to your Profile within the app. If you observe two accounts listed at the top, the following changes are relevant to you.
Date |
Status |
Step |
|---|
From 1 August, 2025
Broker (Baader Bank)
- 1 August: Creation and changes of savings plans no longer possible in your Baader account.
- All savings plans with the execution dates 1, 4 and 7 August will still be executed in your Baader account.
- From 8 August: All savings plans will be executed in your new Scalable account – incl. the ones previously instructed on Baader accounts.
- All holdings like your stocks, ETFs and cash will remain in your Baader account until the weekend of the transfer to the new Scalable (please refer to the last step of this table).
- In case your savings plans are debited from your clearing account, please ensure sufficient cash in your new Scalable account until 8 August.
Learn more about how to find your IBAN and how to verify the payment method of your savings plans.
Wealth (Baader Bank)
- Until 1 week before the weekend of the transfer withdrawal plans will be executed in your Baader account.
- After the weekend of the transfer, your savings and withdrawal plans will continue via your Scalable account.
- Important: Please note that each Wealth portfolio will be assigned a new IBAN.
Shortly before the weekend
of the transfer
(dates to be shared)
Broker and Wealth (Baader Bank)
- Changes to personal data will not be processed anymore in your Baader account. This includes changes to names, addresses and reference accounts.
Broker and Wealth (Baader Bank)
- Incoming or outgoing security transfers can no longer be instructed. Pending transfers will still be completed.
Broker (Baader Bank)
- Buy orders can no longer be instructed via your Baader account. Pending buy orders will expire.
- The exact date will be shared in due course.
Broker (Baader Bank)
- Neither sell nor buy orders can be instructed via your Baader account. All pending orders will expire.
- The exact date will be shared in due course.
Broker (Baader Bank)
- Shortly before the weekend of the transfer takes place, payments can no longer be instructed for the Baader account.
- Remaining cash balances will be transferred to the new Scalable automatically.
- SEPA credit transfers will be returned to the sender’s IBAN.
Wealth (Baader Bank)
- From 8 August: Incoming deposits via SEPA direct debit will be rejected. Deposits via SEPA credit transfers will continue to be possible.
- Shortly before the weekend of the transfer, deposits via SEPA credit transfer as well as withdrawals can no longer be instructed. Incoming transfers will bounce back
- Remaining cash balances will be transferred to the new Scalable automatically.
Q4 2025
Broker and Wealth (Baader Bank)
- The transfer will take place over the weekend outside of trading hours. We will inform you of the exact transfer date with sufficient advance notice.
- Prior to the transfer all functionality of your Baader account will be deactivated (see previous steps).
- Your new Scalable account can continue to be used throughout the transfer process.
- On the weekend of the transfer access to your client area will be restricted temporarily.
Your new Scalable account then includes:
- Securities with fractions
- Savings plans
- Cash
- Documents, transaction and performance history
Upon successful transfer your Baader account will be closed.
1 Scalable Capital can arrange appropriate reports, engage a suitable service provider, if necessary, and provide the service provider with all data and information necessary for the preparation. Scalable Capital does not charge an additional remuneration for the execution of this instruction. Scalable Capital will provide the respective report in the mailbox of the respective client. Scalable Capital does not provide advice on tax matters, assumes no responsibility for the accuracy of the content of the report, but is solely liable for the careful selection and instruction of the service provider.
Frequently asked questions
Yes, all of your securities including fractions and acquisition data will be moved to the new Scalable. Your cash will also be transferred.
Ongoing corporate actions will be completed first before the respective securities can be transferred to your new Scalable account. Pending dividend payments will be made directly to the new Scalable account.
The entire process will start in August with moving your savings plans to the new Scalable. It will end in Q4 2025 with the transfer of your securities over the weekend outside trading hours.
- From 8 August 2025 on all savings plans will be executed in your new Scalable account – including the ones previously instructed on Baader accounts.
- Subsequently more functionality will progressively be moved to your new Scalable account (see steps in table above).
- Ultimately also trading will no longer be possible in your Baader account. Your new Scalable account can continue to be used throughout the transfer process.
The transfer of your securities (incl. fractions) will take place over the weekend in Q4 2025 outside of trading hours. We will inform you of the exact transfer date with sufficient advance notice. On the weekend of the transfer access to your client area will temporarily be restricted.
After the weekend of the transfer your new Scalable account will include all securities with fractions, savings plans, cash, documents, transaction and your entire performance history. Upon successful transfer your Baader account will be closed.
You will be able to trade in your new Scalable account throughout the transfer process. Progressively all functionality will be moved to your new Scalable account (see steps in table above). Ultimately also trading will no longer be possible in your Baader account.
Note that on the weekend of the transfer access to your client area will be restricted temporarily outside of trading hours.
Yes, both your Broker and Wealth accounts will be transferred to the new Scalable during the same time window (see table above for all details).