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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.

Open an account at Scalable Capital
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Scalable CapitalSpaardeposito

Deposit · 1 year · Scalable Capital Bank GmbH · Germany · Directly at the bank
Open an account at Scalable Capital
Rate
3.00%
1 year fixed
since 18 Sep 2026
Your return on €10,000
€300
interest per year
Deposit guarantee
€10,000 fully protected
German scheme

Scalable Capital Bank GmbH (of een andere partnerbank) · 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 €10,000

Gross interest over 1 year: €300.
Interest built up over 1 year
€ 0€ 100€ 200€ 300start6 mo1 yr€300After 1 month: €25 rate · balance €10,025After 2 months: €50 rate · balance €10,050After 3 months: €75 rate · balance €10,075After 4 months: €100 rate · balance €10,100After 5 months: €125 rate · balance €10,125After 6 months: €150 rate · balance €10,150After 7 months: €175 rate · balance €10,175After 8 months: €200 rate · balance €10,200After 9 months: €225 rate · balance €10,225After 10 months: €250 rate · balance €10,250

Rate and conditions

BalanceRate
€0 – and up3.00%
Interest payout
end of term, paid out
Fees
none
Access
1 year fixed · early withdrawal unknown
Term
1 year
Minimum deposit
€1
Maximum deposit
not stated
Current account required
no
For whom
new and existing customers
Open via
Direct · available to residents of the Netherlands
  • Gegarandeerde rente gedurende de looptijd, zonder kosten en zonder maximum
  • Het geld wordt verdeeld over één of meer banken met € 100.000 wettelijke depositogarantie per bank per persoon (spreiding variabel)

Deposit guarantee

€10,000 fully protected
German scheme

Scalable Capital Bank GmbH (of een andere partnerbank) · 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 heldPlacedProtected
Scalable Capital Bank GmbH (of een andere partnerbank)
bank deposit
€10,000€10,000
bank chosen by the provider

Het geld in spaardeposito's wordt verdeeld over één of meer banken met een wettelijke depositogarantie van € 100.000 per bank per persoon (bron: nl.scalable.capital/spaardeposito, 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)

Rate history

2.50%2.75%3.00%3.25%2 Sep 202610 Sep 2026now3.00%2.75% from 2 Sep 2026 until 18 Sep 20263.00% from 18 Sep 2026 until now
2.50%2.75%3.00%3.25%2 Sep 202610 Sep 2026now3.00%2.75% from 2 Sep 2026 until 18 Sep 20263.00% from 18 Sep 2026 until now

Other offers from Scalable Capital

Broker / neobank cash · 2.60% · DirectBroker / neobank cash · 2.60% · Direct
After 11 months: €275 rate · balance €10,275After 12 months: €300 rate · balance €10,300
€ 0€ 100€ 200€ 300start3 mo6 mo9 mo1 yr€300After 1 month: €25 rate · balance €10,025After 2 months: €50 rate · balance €10,050After 3 months: €75 rate · balance €10,075After 4 months: €100 rate · balance €10,100After 5 months: €125 rate · balance €10,125After 6 months: €150 rate · balance €10,150After 7 months: €175 rate · balance €10,175After 8 months: €200 rate · balance €10,200After 9 months: €225 rate · balance €10,225After 10 months: €250 rate · balance €10,250After 11 months: €275 rate · balance €10,275After 12 months: €300 rate · balance €10,300
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
Taxes
Country
Germany
Withholding tax
No withholding tax
Standard rate
0.00%
For a Dutch saver
0.00%
Notes
Duitsland heft geen bronbelasting op spaarrente van niet-ingezetenen.

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

From
Rate
Until
18 Sep 20263.00%current
2 Sep 20262.75%18 Sep 2026

All historic rates of Scalable Capital →All savings products of Scalable Capital →

  • 18 Sep 2026Scalable Capital – Spaardeposito (12 mo): 2.75% → 3.00%
  • 2 Sep 2026New: Scalable Capital – Spaardeposito (12 mo) 2.75%

Rate checked on 18 Sep 2026.