Scalable Fixed-term account
3% interest p.a.
Guaranteed interest* for 2 years on unlimited cash.
With Scalable Fixed-term accounts.
Investing involves risks.
Guaranteed interest* With terms of 12 and 24 months. |
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Multiple accounts Open up to 5 fixed-term accounts. |
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Simple From €1, at no cost and without a maximum. |
Interest rates and terms
Term | Interest rate per year* |
12 months | 2.75% |
24 months | 3.00% |
Easily planned
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Term: 12 or 24 months |
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Minimum amount: €1 |
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Maximum amount: Unlimited |
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Deposit guarantee: Fixed-term savings with guaranteed interest on unlimited cash allocated across one or more banks with €100,000 statutory deposit guarantee. Additional voluntary deposit guarantee possible. |
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Taxes: Scalable automatically remits capital gains tax, solidarity surcharge, and, if applicable, church tax to the tax authorities. Your exception order is taken into account directly. |
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Account opening: Free-of-charge. In a few seconds with a Scalable account. |
FAQ
Answers to further frequently asked questions are answered here.
Cash in Fixed-term accounts is allocated across one or more banks with €100,000 statutory deposit guarantee per bank per person. Additional voluntary deposit guarantee possible.
Yes, as soon as your account has been opened, the interest rate is guaranteed for the selected term. For example: If you invest €10,000 for a term of 2 years at 3% p.a.*, you will receive a fixed and guaranteed interest payment of €600 at the end of the term.
Once the fixed-term account reaches its maturity interest is paid out either to your Overnight, Broker clearing or reference account.
Yes, you can also open fixed-term accounts for children.
To do this, first create a Scalable Kid’s account. You can then add the Kid’s Fixed-term account under: Home > Add new product > For my child > Fixed-term account. You can flexibly deposit money into the Kid's fixed-term account from your own Overnight or broker clearing account.
Yes, up to 5 fixed-term accounts can be created. You choose the term for each account.
You can fund your fixed-term accounts using either your Broker clearing account or your Overnight account.