Scalable Capital combines a 2.50% APY cash account with 2,000+ ETFs and automated investment plans — making it one of the most versatile platforms for European savers and investors in 2026.
Key stats
| Feature | Detail |
|---|---|
| Cash APY | 2.50% |
| Regulation | BaFin Germany |
| Deposit guarantee | German DGS €100K |
| ETF commission | €0 (Prime) / €0.99 (Free) |
| Monthly fee | €0 (Free) / €4.99 (Prime) |
FAQ
How much does Scalable Capital pay in 2026?
2.50% APY on cash, from the first euro, with no conditions. Rate is ECB €STR-linked and will adjust as the ECB changes rates.
Is Scalable Capital safe?
Yes. German BaFin banking license since 2021. Cash protected by German DGS up to €100,000. Securities held in segregated accounts.