Scalable Overnight account
2.50%
interest p.a.
With Scalable Overnight accounts on unlimited cash.*
Investing involves risks.
2.50% interest p.a.* 2.50% interest per year on unlimited cash. No minimum deposit, always available and accessible in the app. |
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Monthly payout Interest is calculated daily and paid out monthly to maximize the compounding effect. |
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Security With PRIME+, a deposit guarantee of up to 5 x €100,000 with banks. Without PRIME+ distributed across banks with a deposit guarantee up to €100,000 or money market funds, also possible as the sole safekeeping method in each case. |
A place to let your
money grow
Enjoy 2.50% interest p.a.* on unlimited cash in the Scalable Overnight account. No minimum. Paid monthly.
What are the conditions for Overnight accounts at Scalable?
With PRIME+ |
Without PRIME+ |
|
|---|---|---|
Interest |
2.50% p.a.* | 2.50% p.a.* |
Interest payout |
Monthly payout, daily calculation |
Monthly payout, daily calculation |
Deposit guarantee and protection standards |
Multiple deposit guarantee: |
Statutory deposit guarantee up to €100,000 per client at Scalable and partner banks. For qualifying money market funds, the European investor protection rules (UCITS) apply, regardless of the investment amount. |
Cash distribution |
Scalable or partner banks taking into account the statutory deposit guarantee of €100,000 per customer and bank |
Scalable, partner banks or qualifying money market funds, also possible as the sole safekeeping method in each case |
Availability |
24/7 in real-time |
24/7 in real-time | Information Sheets for depositors and Key Information Documents of the qualified money market funds. |
The development of our interest on Overnight savings can be seen here: scalable.capital/interest-adjustment
Even better with PRIME+
With 5 x €100,000 statutory deposit guarantee* through cash distribution across up to five banks (Scalable Capital Bank, four partner banks).
FAQ
Answers to further frequently asked questions are answered here.
Interest is calculated to the day and paid monthly.
The interest is credited monthly to your Scalable Overnight account. Every cent is reinvested. Month over month, an increasing cash balance benefits from our market-leading interest rate.
Example: Over five years with 2.50% p.a.*, monthly compounding adds an additional 0.2% interest on your initial investment vs. annual compounding.
We distribute PRIME+ cash across up to five banks (Scalable Capital, four partner banks). This provides a statutory deposit guarantee of up to 5 x €100,000, plus additional coverage from voluntary German deposit guarantee schemes.
Without PRIME+, your cash is distributed across banks, each with a statutory deposit guarantee of €100,000, or money market funds where European investor protection rules (UCITS) apply, regardless of the investment amount. Your balance can also be held entirely with just one bank or a qualified money market fund.
You can view the distribution at any time in your app under Product details > Balance allocation.
Yes, per child you can open one Scalable Overnight account.
First, open a Scalable Kid’s account. Then, create the Kid’s Overnight account via: Home > Add new Product > for my child > Overnight. You can transfer funds flexibly from your Broker or own Overnight account.