Your money earns more
With Scalable your money can work in different ways: Choose between bonds, ETFs or money on your Broker account.
Investing involves risks.
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Overview over interest products
Money market, bonds, ETFs, and more – explore opportunities to make more of your money.
Interest forwarded |
Bonds | iBonds | Money market ETFs |
InterestInvest |
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|---|---|---|---|---|---|
Interest rate |
3% p.a. (variable) |
Up to 3.4% p.a |
Up to 3.77% p.a. (euro) or 5.19% (dollar)1 |
Up to 2.917% p.a. (€STR, status: January 2025) |
Target return 3.1% p.a.2 |
Selection of securities |
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Term |
Unlimited |
3 years |
Depending on the product (2-5 years) |
Unlimited |
Unlimited |
Availability |
On cash on your broker account |
Tradable in all Scalable Broker price plans |
In Scalable Wealth |
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Investing involves risks.
1 Note currency risk. Learn more.
2 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 06 January 2025. 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
We will forward 3.03% p.a. variable interest on uninvested cash of up to €50,000 in the FREE Broker and €500,000 in the PRIME+ Broker to clients with a Scalable Capital custody account. Cash balances are safeguarded in accounts with partner banks and in money market funds. Initially, these are Deutsche Bank, J.P. Morgan Asset Management, DWS and BlackRock. The statutory deposit guarantee of the partner banks is €100,000 per client. For money market funds European investor protection rules (UCITS) apply regardless of the amount.
Interest is calculated on a daily basis and forwarded to your clearing account quarterly.
There is no minimum holding period. Interest will be calculated daily and forwarded to you quarterly.
Cash balances are safeguarded in accounts with partner banks and in money market funds. Deutsche Bank, J.P. Morgan Asset Management, DWS and BlackRock are included from the start. The statutory deposit guarantee of the partner banks is up to €100,000 per client. For money market funds European investor protection rules (UCITS) apply regardless of the amount.
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 Scalable Capital 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 is forwarded to you quarterly. After the end of a calendar quarter, we will forward the interest to your broker account. For the first quarter of a year, this will happen in April, for the second quarter in July, etc.
We collaborate with partner banks offering statutory deposit protection of up to €100,000 per bank, and use money market funds adhering to UCITS protection standards, regardless of the investment amount.
In the event of insolvency of Scalable Capital, you have a claim to surrender your securities. These do not fall into the insolvency estate and are therefore also protected.