Scalable CapitalSpaardeposito
Deposit · 6 months · Scalable Capital Bank GmbH · Germany · Directly at the bank
- Rate
- 2.75%
- 6 months fixed
- EffectiveThe effective annual rate for €50,000: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable.
- 2.77%
- for €50,000
- Your return on €50,000
- €1,384
- per year, annualised · €688 total over 6 months
- Deposit guarantee
- €50,000 fully protectedGerman 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 €50,000
Gross interest over 6 months: €688.
Interest built up over 6 months
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 2.75% |
- Interest payout
- end of term, paid out
- Fees
- none
- Access
- 6 months fixed · early withdrawal unknown
- Term
- 6 months
- 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
€50,000 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 held | Placed | Protected |
|---|---|---|
| Scalable Capital Bank GmbH (of een andere partnerbank) bank deposit | €50,000 | €50,000 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
2.75% since 6 Oct 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 →
- 6 Oct 2026New: Scalable Capital – Spaardeposito (6 mo) 2.75%
Rate checked on 11 Oct 2026.