Is the 2.5% rate fixed or can it change?

It is a variable rate. Interest accrues daily and pays monthly, but the percentage can move up or down based on market conditions and the provider’s policy. Always check the current rate in the app before large transfers, and set alerts for changes so your cash keeps earning competitively.

What happens to interest on brokerage cash after March 31?

Scalable will no longer pay 2.0% on brokerage cash from March 31. After that date, check the app for the current rate on trading balances. To keep earning, consider moving idle funds into the savings account, which currently offers Scalable Capital 2.5% interest with monthly payouts and real-time transfers.

How does this compare to Trade Republic interest?

Scalable’s savings account pays 2.5% p.a., while Trade Republic advertises 2.0% on cash. Both are variable and can change. Evaluate net yield after taxes, payout frequency, and app features like instant transfers. Keep enough liquidity for trades, then place excess funds where the after-tax return and flexibility suit your needs.

Are interest earnings taxed, and how can I reduce the bill?

Yes. Interest is subject to 25% flat tax plus solidarity surcharge, and church tax may apply. Use a Freistellungsauftrag to apply the Sparer-Pauschbetrag of €1,000 per person, €2,000 for couples. This allowance can shield part of your interest so more of the Scalable Capital 2.5% interest lands in your account.

Global Market Insights

Scalable Capital March 16: New 2.5% Savings Rate Beats Trade Republic

ByDanny Kontos March 16, 2026March 16, 2026

Scalable Capital 2.5% interest goes live on 16 March, raising the bar for German savers. The new variable savings account pays 2.5% p.a., topping Trade Republic’s 2.0%, with monthly payouts on euro balances. Scalable also ends 2.0% interest on brokerage cash on 31 March, pushing clients to move idle funds into savings. Real-time transfers link saving and trading, so cash can earn interest until the moment it is needed. For many in Germany, this marks a fresh round in the deposit rate battle.