2% interest:
Your money earns more
2% interest p.a.* on your cash — unlimited in PRIME+ and up to €100,000 in FREE. Now also for the whole family.
Investing involves risks.
Save more, save better
FREE |
PRIME+ |
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|---|---|---|
Interest1 |
2% p.a.* |
2% p.a.* |
Cash distribution |
Scalable, partner banks and qualifying money market funds. |
Scalable and partner banks. |
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: |
1 Variable interest rate. Interest rate on 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.
FAQs
More questions about our offering are answered in our Help Center.
The PRIME+ Broker cash balance is distributed across Scalable Capital Bank and partner banks. The distribution also takes into account the balance held by Scalable Capital at the respective bank, as well as the respective statutory deposit guarantee of €100,000 per customer and bank and any supplementary protection schemes. We distribute all other cash balances, in addition to those held at Scalable Capital Bank, across partner banks and qualified money market funds. These rules can be changed with timely prior 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.
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.
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