Please note that the following answer only applies to clients residing in Germany.
Important information: From 1 October 2025, new applications for and changes to Scalable Credit will no longer be available in your Baader account. Existing Credit can still be used and will be transferred to the new Scalable. Credit conditions at Scalable will automatically apply after the transfer.
As an existing client who joined Scalable before December 10th, 2024, you can already use Credit in your Baader account as well, although on different conditions.
Quarterly interest applies only when Credit is used: 3-month Euribor® + 3% p.a. (5.03% p.a. variable borrowing rate, as of October 2025).
Note the risk of credit-financed investments. Credit offer of Baader Bank AG, Weihenstephaner Str. 4, 85716 Unterschleissheim, mediated by Scalable Capital. Only available in connection with a Scalable Broker account and up to €100,000.
You will gain access to the new conditions within a few weeks. We will notify you as soon as these benefits are available.