Interest on your cash
Benefit from savings plans from €1, trading flat rate and interest (Baader Bank) with the PRIME+ Broker.
There are risks associated with investing.
2.6% p.a. interest for PRIME+. Cash account at Baader Bank AG. Variable rate up to €100,000. Learn more.
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€20 billion in client assets |
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Your money earns more - with PRIME+.
Benefit from interest and trading flat rate now. Start now
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Deposit up to €100,000 |
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Quarterly interest payments |
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Deposits and withdrawals at any time |
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Trading flat rate: Unlimited trading of shares, ETFs, funds and derivatives |
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Unlimited savings plans on ETFs and shares |
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Unlimited number of portfolio groups and price alerts |
Earn interest
- in just a few steps
2.6% p.a. interest for PRIME+. Cash account at Baader Bank AG. Variable rate up to €100,000. Learn more.
Overview over interest products
Discover all ways to benefit from interest with Scalable. In addition to overnight money, bonds and ETFs offer a good and simple way to benefit from interest.
Interest |
Bonds | iBonds | Money market ETFs |
InterestInvest |
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|---|---|---|---|---|---|
Interest |
2.6% p.a.1 |
Up to 3.4% p.a |
Up to 3.77% p.a. (euro) or 5.19% (dollar)2 |
Up to 3.163% p.a. (€STR, status: November 2024) |
Target return 3.2% p.a.3 |
Selection of securities |
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Term |
Unlimited |
3 years |
Depending on the product (2-5 years) |
Unlimited |
Unlimited |
Availability |
PRIME+ Broker |
Tradable in all Scalable Broker price plans |
In Scalable Wealth |
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There are risks associated with investing.
1 2.6% p.a. interest for PRIME+. Cash account at Baader Bank AG. Variable rate up to €100,000. Learn more.
2 Note currency risk. Learn more.
3 The target return depends on market developments and is shown before costs. It was calculated on the basis of the portfolio components’ return as of 01 November 2024. The ETF costs (0.13% p.a.) and wealth management/trading fees (0.75% p.a.) will have a yield-reducing effect. Expected returns are forecasted and do not represent a reliable indicator of future performance.
Frequently asked questions
Yes, all existing PRIME+ Broker clients (formerly PRIME Broker flex, with monthly payment) will automatically receive interest on their cash up to €100,000 from 1 February 2023.
If you do not yet use the PRIME+ Broker, simply change the broker model in the customer area under "Products" and benefit from the interest. The interest is calculated on a daily basis and paid out quarterly to the clearing account.
There is no minimum holding period, the interest offer is available daily. Interest is calculated – starting 1 February 2023 – to the day and paid out quarterly.
Balances are held by Baader Bank AG and are protected by the German EdB deposit protection scheme up to a deposit amount of €100,000 and beyond that by the Deposit Protection Fund of Private Banks (BdB). Further information on the scope of protection provided by the Deposit Protection Fund can be found here.
Like dividends or profits from the sales of securities, interest payments are considered investment income and are subject to a final withholding tax. This is paid automatically. The respective taxes are withheld by the custodian bank and forwarded to the tax office, taking into account exemption orders and loss pots, if applicable.
This only applies to persons who are liable to pay tax in Germany. Persons who are liable to pay tax outside Germany are obliged to determine and pay the applicable taxes themselves. Please note that Scalable Capital does not provide tax advice in this regard. If you have any questions regarding your individual tax situation, please contact your tax advisor or your tax office.
The amount of capital gains tax/solidarity surcharge paid on your behalf can be found in your personal client area. To do so, please log into your personal client area on our website, open the menu item "Profile" and click on "Taxes".
Interests will be calculated to the day and paid out quarterly from 1 February 2023. After the end of a calendar quarter, you will receive the interest on your broker account. For the first quarter, the payment will be made in April, for the second quarter in July, etc.
Balances are held by Baader Bank AG. In case of insolvency of Baader Bank, the balance of your clearing account is protected by the statutory deposit protection of the EdB up to a deposit amount of 100,000 euros (see details at www.edb-banken.de) and beyond that by the Deposit Protection Fund of private banks (BdB). Further information on the scope of protection of the Baader Bank by the Deposit Protection Fund can be found here.
In the event of insolvency of the custodian bank, you have a claim to surrender of your securities. These do not fall into the insolvency estate and are therefore also protected.
As a securities institution, Scalable Capital is not authorised to take possession or ownership of client assets. The assets of the clients are held in custody by our partner bank. In the event of Scalable Capital's insolvency, the client assets will therefore not fall into the insolvency estate of Scalable Capital GmbH.
Furthermore, Scalable Capital GmbH is assigned to the Compensatory Fund of Securities Trading Companies (EdW). The EdW can pay compensation if an institution is no longer able to fulfill its "liabilities from securities transactions" to its customers for reasons directly related to its financial situation (and BaFin has determined the case for compensation).
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