Scalable CapitalSpaardeposito
- Rate
- 2.75%
- 6 months fixed
- 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.
- 2.77%
- for €25,000
- Your return on €25,000
- €692
- per year, annualised · €344 total over 6 months
- Deposit guarantee
- €25,000 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 €25,000
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
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 | €25,000 | €25,000 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)
- 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
2.75% 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 2 Nov 2026.