Account transfer to
the new Scalable
From 6-7 December 2025, Baader accounts of users with both a Baader and a Scalable account (Scalable Broker and Wealth) will be transferred to the new Scalable account.
We will take care of everything
The transfer is free of charge, automatic and includes:
 |
Securities with fractions |
|
Savings plans |
|
Cash and Credit |
|
Tax data, acquisition data, loss pots and tax exemption order (“Freistellungsauftrag”) |
|
Documents, transaction and performance history |
After the weekend of the transfer from 6-7 December 2025, your Baader accounts including clearing accounts will be closed permanently. Any other business relationships with Baader Bank are not affected. Due to legal requirements, Baader Bank AG is obligated to store your contract data for a specific period even after the account closure.
Process of the account transfer
Limitations only apply to your Baader account. Your new Scalable account can continue to be used throughout the transfer process. Restrictions to the client area will apply temporarily outside of trading hours during the weekend of the transfer.
Uncertain whether this applies to you? Navigate to Home, then tap Home again: If you observe two accounts listed at the top, the following changes are relevant to you.
Date |
Status |
Step |
|---|
From 1 August 2025
Broker (Baader Bank)
- 1 August: Creation and changes of savings plans no longer possible in your Baader account.
- All savings plans with the execution dates 1, 4 and 7 August will still be executed in your Baader account.
- From 8 August: All savings plans will be executed in your new Scalable account – incl. the ones previously instructed on Baader accounts.
- If you already had a saving plan for the same security in your Scalable account, the savings plans will be summed.
- All holdings like your stocks, ETFs and cash will remain in your Baader account until the weekend of the transfer to the new Scalable (please refer to the last step of this table).
- In case your savings plans are debited from your clearing account, please ensure sufficient cash in your new Scalable account until 8 August.
Learn more about how to find your IBAN and how to verify the payment method of your savings plans.
Wealth (Baader Bank)
- Until 2 December 2025 withdrawal plans will be executed in your Baader account.
- After the weekend of the transfer, your savings and withdrawal plans will continue via your Scalable account.
- Important: Please note that each Wealth portfolio will be assigned a new IBAN.
From 1 October 2025
Broker (Baader Bank)
- New applications for and changes to Scalable Credit will not be possible anymore. Existing Credit can still be used.
From 10 October 2025
Broker and Wealth (Baader Bank)
- Changes to personal data will not be processed anymore in your Baader account. This includes changes to names and addresses.
Broker and Wealth (Baader Bank)
- Incoming security transfers will not be processed anymore.
- Pending transfers will still be completed.
From 22 November 2025
- Newly instructed outgoing security transfers to third-party banks (excluding Scalable) will not be processed anymore.
- Pending transfers will still be completed.
From 1 December 2025
Broker (Baader Bank)
- Buy orders are only possible in the new Scalable account.
- In your Baader account all pending buy orders will expire.
From 2 December 2025
Broker (Baader Bank)
- From 2 December, withdrawals can no longer be instructed for the Baader account.
- Remaining cash balances will be transferred to the new Scalable automatically.
- Transfers to your Baader account from 6 December will be returned to the sender’s current (reference) account.
Wealth (Baader Bank)
- Incoming deposits via SEPA direct debit are already being rejected. Deposits via SEPA transfers will continue to be possible.
- From 2 December, withdrawals can no longer be instructed.
- Remaining cash balances will be transferred to the new Scalable automatically.
- Transfers to your Baader account from 6 December will be returned to the sender’s current (reference) account.
From 3 December 2025
Broker (Baader Bank)
- Buy and sell orders are only possible in the new Scalable account.
- In your Baader account all pending sell orders will expire.
- For securities in your Baader account, the transfer has been initiated. They will be tradable again after the weekend of the transfer in your new Scalable account.
Broker and Wealth (Baader Bank)
- Changes to the tax exemption orders (“Freistellungsauftrag”) will not be processed anymore.
- Please make any necessary changes to tax exemption orders (“Freistellungsauftrag”) as soon as possible.
Broker and Wealth (Baader Bank)
- Changes to reference accounts will not be processed anymore in your Baader account.
From 6 - 7 December 2025
Broker and Wealth (Baader Bank)
- The transfer will take place over the weekend outside of trading hours.
- Prior to the transfer all functionality of your Baader account will be deactivated (see previous steps).
- You can continue to trade in your new Scalable account throughout the transfer process.
- On the weekend of the transfer access to your client area will be restricted temporarily.
Your new Scalable account then includes:
- All securities with fractions
- Savings plans
- Cash and Credit
- Tax data, acquisition data, loss pots and tax exemption order (“Freistellungsauftrag”)
- Documents, transaction and performance history
Upon successful transfer your Baader account will be closed.
Frequently asked questions
Yes, all of your securities including fractions and acquisition data will be moved to the new Scalable over the weekend from 6 - 7 December 2025. Your cash will also be transferred. Positions in the same security will be summed.
Ongoing corporate actions will be completed first before the respective securities can be transferred to your new Scalable account. Pending dividend payments will be made directly to the new Scalable account.
The entire process will start in August with moving your savings plans to the new Scalable. It will end in Q4 2025 with the transfer of your securities over the weekend from 6 - 7 December 2025 outside trading hours.
- From 8 August 2025 on all savings plans will be executed in your new Scalable account – including the ones previously instructed on Baader accounts.
- Subsequently more functionality will progressively be moved to your new Scalable account (see steps in table above).
- Ultimately also trading will no longer be possible in your Baader account. Your new Scalable account can continue to be used throughout the transfer process.
The transfer of your securities (incl. fractions) will take place oover the weekend from 6 - 7 December 2025 outside of trading hours. On the weekend of the transfer access to your client area will temporarily be restricted.
With the successful transfer your new Scalable account will include all securities with fractions, savings plans, cash, Credit, tax data, acquisition data, loss pots, tax exemption order (“Freistellungsauftrag”), documents, transaction and your entire performance history. Your Baader account will be closed.
Loss pots and tax exemption orders (“Freistellungsauftrag”) will generally also be transferred. There are two exceptions:
- You maintain ongoing business relationships with Baader Bank outside of Scalable: In this case, your loss pots and tax exemption order remain with Baader Bank. If desired you can instruct changes to your tax exemption order at Scalable via the client area.
- You already have a tax exemption order for your new Scalable account: In this case any remaining Baader tax exemption amount cannot be transferred automatically. You can instruct changes to your tax exemption order at Scalable via the client area. Loss pots would still be transferred as long as you do not maintain other ongoing business relationships with Baader Bank (see above).
You will be able to trade in your new Scalable account throughout the transfer process. Progressively all functionality will be moved to your new Scalable account (see steps in table above). Ultimately also trading will no longer be possible in your Baader account.
Note that on the weekend of the transfer from 6 - 7 December 2025, access to your client area will be restricted temporarily outside of trading hours.
Yes, both your Broker and Wealth accounts will be transferred to the new Scalable during the same time window (see table above for all details).
If you no longer wish to transfer your Baader account to the new Scalable, please notify us by email at support@scalable.capital until 23 October 2025.