Scalable Overnight account
2.50% interest
Earn interest* on unlimited cash with Scalable Overnight accounts. Paid monthly.
Investing involves risks.
2.50% interest p.a.* Earn interest on unlimited cash. |
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Paid monthly Interest paid out each month. |
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Multiple deposit guarantee Up to 5 x €100,000 deposit guarantee*. With PRIME+. |
A place to let your
money grow
Enjoy 2.50% interest p.a.* on your cash in the Scalable Overnight account. No minimum, no maximum.
Even better with PRIME+
With up to 5 x €100,000 statutory deposit guarantee* through cash distribution across Scalable Capital Bank and four partner banks.
FAQ
Answers to further frequently asked questions are answered here.
FREE |
PRIME+ |
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Interest |
2.50% p.a.* | 2.50% p.a.* |
Interest payout |
Monthly payout, daily calculation |
Monthly payout, daily calculation |
Deposit guarantee and protection standards |
Statutory deposit guarantee up to €100,000 per client at Scalable and partner banks. For qualifying money market funds, the European investor protection rules (UCITS) apply, regardless of the investment amount. |
Multiple deposit guarantee: |
Cash distribution |
Scalable, partner banks and qualifying money market funds |
Scalable and partner banks |
Availability |
Daily |
Daily | Information Sheets for depositors and Key Information Documents of the qualified money market funds. |
Interest is calculated to the day and paid monthly.
The interest is credited monthly to your Scalable Overnight account. Every cent is immediately reinvested. Month over month, an increasing cash balance benefits from our market-leading interest rate.
Example: Over five years with 2.50% p.a.*, monthly compounding adds an additional 0.2% interest on your initial investment vs. annual compounding.
To maximise your deposit guarantee, we distribute your cash across Scalable Capital and up to four partner banks. This provides statutory guarantee of up to €500,000, plus additional coverage from voluntary German deposit schemes. View your current fund allocation anytime in your app under Product details > Balance allocation.
Yes, per child you can open one Scalable Overnight account.
First, open a Scalable Kid’s account. Then, create the Kid’s Overnight account via: Home > Add new Product > for my child > Overnight. You can transfer funds flexibly from your Broker or own Overnight account.