Credit at Scalable Capital
Scalable Credit
More flexibility with Credit: Trade or pay out,
starting from 3.24% p.a.
Note the risk of credit-financed investments.
Maximum flexibility
Leverage your securities in your Scalable Broker with Scalable Credit. Apply in just a few steps, repay at any time. Starting from €1,000 portfolio value.
Fair
Interest applies only on the amount used.
Flexible
Use for trading or payouts.
Simple
Apply and manage directly in the app.
Credit from 3.24% p.a.
Variable borrowing rate |
3.24% p.a. in PRIME+ |
Interest charge |
Quarterly |
Credit line |
Up to €100,000 |
Additional costs |
None. Overdraft interest and default interest may only apply if the credit line is exceeded. |
Find an overview about current and previous rates here. If you use Credit with your Baader account, the following conditions apply.
Loan-to-value ratio by asset class
Stocks |
Up to 75% |
ETFs, ETCs or other ETPs |
Up to 75% |
Funds (excl. ELTIFs) |
Up to 75% |
Derivatives |
0% |
Crypto ETPs |
0% |
ELTIFs (Private Equity or other Private Markets) |
0% |
Cash Balance |
0% |
The credit line is calculated as the sum of all positions valued at market prices, each multiplied by the loan-to-value ratio, that is influenced by the asset volatility.
Please note: The loan-to-value ratios for individual securities may differ and may be adjusted at any time. Non-binding presentation.
Find an overview about current and previous rates here. If you use Credit with your Baader account, the following conditions apply.
You have securities worth €10,000 in your Scalable Broker account. Your credit line amounts to €5,000. Of this amount, you use a credit of €2,000 for 3 months.
Credit line |
€5,000 |
Amount of credit used |
€2,000 |
Duration |
90 days (3 months) |
Interest calculation method |
act/act |
Sample variable borrowing rate (p.a.) |
3.24% |
Interest rate |
€15.98 |
Total amount owed |
€2,015.98 (€2,000 + €15.98) |
Find an overview about current and previous rates here. If you use Credit with your Baader account, the following conditions apply.
Intraday: No interest
Leverage your portfolio to get extra liquidity and use Credit intraday interest-free.1
1 Please note: Applicable taxes must be taken into account. Be aware of special risks of same-day transactions.
FAQs
More questions about Credit are answered in our Help Center.
Credit is an individual credit line up to which the Broker account may be overdrawn (so-called "granted overdraft"). This means you can borrow money in order to trade or pay out. The exact amount available at a given point in time depends on the securities in your Broker account.
Interest only accrues over time on the amount actually borrowed and used. It is variable and calculated quarterly.
Please consider the following:
- The securities serve as collateral for the amount borrowed. If their value falls, the total credit line is reduced accordingly.
- If the credit limit is overdrawn (e.g. due to a decline in the value of the collateral), the credit must be reduced accordingly by depositing money or selling securities. This may be associated with price losses (incl. total loss).
- Additional costs may be incurred if the credit limit or line are overdrawn through interest for the tolerated overdraft and/or default interest.
- Scalable Capital may terminate the securities account incl. Credit and demand immediate full repayment.
- You can get an overview of the credit conditions at Scalable at any time in the app or on the web in the Credit tab.
Credit offer of Scalable Capital Bank GmbH, Seitzstr. 8e, 80538 München. Only available in connection with a Scalable Broker account and up to €100,000. Your securities are used as collateral for the loan. These securities can fall in value or become worthless. This may require repayment of the loan and/or the sale of securities. Please consider the special risk of credit-financed investments.
Credit can be used flexibly for trading or payouts. After successful setup, the additional amount available through Credit is automatically available when trading.
Important: Credit is not a real estate loan and may not be used to buy or build a house or apartment.
Establishing a credit line costs nothing. Interest only accrues on the amount actually borrowed and used. It is calculated quarterly and is variable. As of 11. June 2025: 3.24% p.a. variable borrowing rate in the PRIME+ Broker, 4.24% p.a. in the FREE Broker.
Please note that if the credit line granted is exceeded, interest may be charged for a tolerated overdraft in accordance with our list of prices and services. In addition, Scalable Capital may terminate the account and custody account in such a case and demand immediate repayment in full.
Interest only accrues when a credit amount has actually been used, i.e. the Broker account has been overdrawn.
The interest is calculated on a daily basis and charged to the Broker account on a quarterly basis.
You can deposit money into your Broker account at any time and use it to repay the loaned amount. There is no fixed term or fixed instalments.
Instead of making a deposit, you can also sell securities. The proceeds from the sale automatically reduce the amount you have loaned.
If the broker account is in the negative, any other money received also automatically serves to repay the loan amount. This applies, for example, to the receipt of dividend payments, interest income, or tax settlement payments.
Notes
In the event that the borrower intends to use the loan for capital investment, Scalable Capital draws attention to the following risks.
Investors may be able to obtain additional funds for capital investment by taking out loans or pledging their securities with the aim of increasing the investment amount. This approach leverages the capital used and can lead to a significant increase in risk. The interest incurred reduces the returns from the capital investment and can even exceed them. If the capital investment results in price losses, the total loss is increased by the interest incurred. In the case of a falling portfolio value, it may not be possible to meet any additional margin requirements of the pledge or interest and redemption claims of the loan, and the investor may be forced to (partially) sell off the portfolio.
Investors should therefore be particularly cautious with credit-financed capital investments and should thoroughly assess the risks of a credit-financed capital investment (e.g. a margin call) as well as their own economic circumstances before making an investment decision. Investors should generally only use freely available capital, which is not needed for living expenses and covering ongoing liabilities, for capital investment. Otherwise, Scalable Capital expressly advises against a credit-financed capital investment.
Please note the relevant information and contractual terms and conditions in the Client Documentation.
Note the risk of credit-financed investments. Credit offer of Scalable Capital Bank GmbH, Seitzstr. 8e, 80538 München.