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Not advice. Rates are gross, per year and as published by the provider. Variable rates can change. Outbound links may earn a commission; that never affects the order or the calculation.

Banks and deposit guarantee

Scalable Capital

Scalable Capital Bank GmbH · Germany · supervised by BaFin
Website
Offers
3
Instant access
2.63%
highest effective
Deposit
3.00%
highest effective
Deposit guarantee
Until €100,000
Germany scheme

Offers from Scalable Capital

ProductTypeRateEffectiveYour return
Overnight account (zonder PRIME+)Cash at a broker2.60%
▼ 0.152 Sep 2026Rate over the last 365 days. Lowered on 2 Sep 2026 from 2.75% to 2.60%.
2.63%€658
interest per year
Details
Overnight account (met PRIME+)Cash at a broker2.60%
2.39%€598
interest per year
Details
SpaardepositoDeposit · 1 year3.00%
▲ 0.2518 Sep 2026Rate over the last 365 days. Raised on 18 Sep 2026 from 2.75% to 3.00%.

Saving at Scalable Capital

Scalable Capital is a provider from Germany, supervised by BaFin. You open an account with the provider itself, online.

For €25,000 we list 2 instant-access accounts and 1 deposit from Scalable Capital. The best instant-access account, Overnight account (zonder PRIME+), pays an effective 2.63% a year. The highest instant-access rate in our comparison is 3.04% right now. The best-paying deposit runs for 1 year at an effective 3.00% a year.

The lowest minimum deposit is €1.

Scalable Capital does not simply keep your money on its own balance sheet: it is placed with partner banks or funds that Scalable Capital chooses. Which protection applies depends on that allocation, and each offer on this page shows how it works.

What is the savings rate at Scalable Capital?
At Scalable Capital the highest effective annual rate for €25,000 is currently 2.63% on instant-access savings and 3.00% on a 1 year deposit. The table on this page has every offer with its rate and conditions.
How do I open an account at Scalable Capital?
You open an account with the provider itself, online.

Deposit guarantee and licence

Institution
Scalable Capital Bank GmbH
Status
Verified European deposit guarantee scheme
Scheme
Entschädigungseinrichtung deutscher Banken GmbH (EdB)
Guarantee
€100,000 per person per institution
Verification
Wettelijke DGS-informatie van Scalable Capital
details"Wettelijke depositogarantie tot € 100.000 per klant bij Scalable en partnerbanken"); EdB-ledenlijst is niet machinaal leesbaar
source ↗ · 2 Sep 2026

Recent changes

Rate historyRSS
  • 18 Sep 2026, 18:08 · Rate upScalable Capital – Spaardeposito (12 mo): 2.75% → 3.00%
  • 15 Sep 2026, 21:31 · ConditionsScalable Capital – Overnight account (zonder PRIME+): conditions changed
  • 2 Sep 2026, 10:28 · NewNew: Scalable Capital – Spaardeposito (12 mo) 2.75%
  • 2 Sep 2026, 10:28 · NewNew: Scalable Capital – Overnight account (met PRIME+) 2.60%
  • 2 Sep 2026, 10:28 · Rate down
3.00%
€750
interest per year
Details
  • Overnight account (zonder PRIME+)2.60% · 2.63% effective · since 2 Sep 2026€658interest per year
  • Overnight account (met PRIME+)2.60% · 2.39% effective€598interest per year
  • Deposit 1 year3.00% · 3.00% effective · since 18 Sep 2026€750interest per year
Scalable Capital – Overnight account (zonder PRIME+): 2.75% → 2.60%
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