Scalable Capital Cash

Investment platform offering 2.00% on cash balances up to €50,000. German-regulated with EU deposit guarantee. Also offers ETF and stock investing.

Best for: High Interest, Investors, Digital

Standard rate

2.60% a year

Conditions

Overnight account: 2.60% on any amount, variable. Cash in the broker account itself earns 0%.

Fixed terms and notice accounts from Scalable Capital

Separate products: more interest for money you can’t take out when you want.

Scalable Spaardeposito, 12 months

3.00% · Fixed and guaranteed for 12 months, the only term. From €1, no maximum, up to five deposits. No early withdrawal. · Not re-confirmed since 5 October 2026.

Rates other than the standard rate checked on Scalable Capital’s own pages on 5 October 2026: source 1. They change often; check the provider before you open an account.

Minimum deposit

None required

Maximum deposit

€50,000

Withdrawal access

Instant accessNot re-confirmed since 4 October 2026: check with the provider before you apply.

What it is

savings accountNot re-confirmed since 4 October 2026: check with the provider before you apply.

Deposit protection

Covered only in some cases (German deposit guarantee scheme (EdB), and partner banks under their own schemes). Only for money held as deposits: without the PRIME+ plan Scalable can hold the cash in money market funds instead, which no deposit guarantee covers.Not re-confirmed since 4 October 2026: check with the provider before you apply.

BSN

Not stated by Scalable Capital.