Scalable CapitalOvernight account (met PRIME+)
- Rate
- 2.60%
- variable
- EffectiveThe effective annual rate for €25,000: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable. Fees of €59.88 per year are deducted. Interest is compounded during the term and earns interest on interest.
- 2.39%
- for €25,000
- Your return on €25,000
- €598
- interest per year
- Deposit guarantee
- €25,000 fully protectedGerman scheme
Scalable Capital Bank GmbH + 4 partnerbank(en) · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank The provider chooses which bank holds your money; its app shows which. Other balances at that bank count towards the guarantee limit.
Your calculation for €25,000
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 2.60% |
- Interest payout
- monthly, compounded (interest on interest)
- Fees
- €59.88 per year
- Access
- Instant access (cash at a broker)
- Minimum deposit
- none
- Maximum deposit
- not stated
- Current account required
- no
- For whom
- new and existing customers
- Open via
- Direct · available to residents of the Netherlands
- Variabele rente op onbeperkt cash, dagelijks berekend en maandelijks bijgeschreven
- PRIME+ abonnement € 4,99 per maand (als jaarlijkse kosten meegerekend; het abonnement omvat ook beleggingsvoordelen)
- Met PRIME+: tot 5 × € 100.000 wettelijke depositogarantie door spreiding over Scalable Capital Bank en maximaal vier partnerbanken, aangevuld met vrijwillige Duitse depositogarantie
Deposit guarantee
Scalable Capital Bank GmbH + 4 partnerbank(en) · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank The provider chooses which bank holds your money; its app shows which. Other balances at that bank count towards the guarantee limit.
How is my money protected?
| Where the money is held | Placed | Protected |
|---|---|---|
| Scalable Capital Bank GmbH + 4 partnerbank(en) bank deposit | €25,000 | €25,000 bank chosen by the provider |
Met PRIME+ wordt cash gespreid over maximaal vijf banken met elk € 100.000 wettelijke depositogarantie (tot 5 × € 100.000), aangevuld met vrijwillige Duitse depositogarantie (bron: nl.scalable.capital/prime-plus-broker, 2026-09-02).
Provider’s banking licence
- Institution
- Scalable Capital Bank GmbH
- Status
- Verified European deposit guarantee scheme
- Scheme
- Entschädigungseinrichtung deutscher Banken GmbH (EdB) (Germany)
- Guarantee
- €100,000 per person per institution
- Verification
- Wettelijke DGS-informatie van Scalable Capitalsource ↗ · 2 Sep 2026
details
"Wettelijke depositogarantie tot € 100.000 per klant bij Scalable en partnerbanken"); EdB-ledenlijst is niet machinaal leesbaar
Taxes
- Country
- Germany
- Withholding tax
- No withholding tax
- Standard rate
- 0.00%
- For a Dutch saver
- 0.00%
- Notes
- Germany withholds no tax on savings interest of non-residents: you receive the full interest.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.
Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe · Saving more than €100,000: how to spread your money across banks
Rate history
2.60% since 2 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.
All historic rates of Scalable Capital →All savings products of Scalable Capital →
- 2 Sep 2026New: Scalable Capital – Overnight account (met PRIME+) 2.60%
Rate checked on 2 Nov 2026.