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Existing clients are currently gradually receiving the new ºÚ°µ±¬ÁϹٷ½ account, additionally to their Baader account. This is new in the ºÚ°µ±¬ÁϹٷ½ account:

• 2.25% interest p.a.* (variable) on up to €500,000 in PRIME+ and €50,000 in FREE forwarded from partner banks and money market funds at ºÚ°µ±¬ÁϹٷ½; interest according to special conditions at Baader Bank
• New IBAN for payments at ºÚ°µ±¬ÁϹٷ½; your IBAN at Baader Bank remains unchanged
• All securities accounts in the ºÚ°µ±¬ÁϹٷ½ app; switch via Profile
• No additional costs, regular PRIME+ fee will be charged from your account at ºÚ°µ±¬ÁϹٷ½ (primarily, dependent on cash balance) or Baader Bank
• Quick Start: Automatically import your Savings Plans, Price Alerts, Portfolio Groups and Watchlist to your ºÚ°µ±¬ÁϹٷ½ account

Do I receive the same interest rate in both accounts?

In your new ºÚ°µ±¬ÁϹٷ½ account we forward 2.25% interest p.a.* (variable) on up to €500,000 in PRIME+ and €50,000 in FREE from partner banks and money market funds. The current rates can be found here.

For cash in your Baader Bank account interest rates according to special conditions at Baader Bank apply.

How can I deposit cash into the new ºÚ°µ±¬ÁϹٷ½ account?

You can easily instruct deposits and withdrawals in your client area under Payments. Alternatively, you can also transfer from your current account. When making a deposit, please ensure you use your new ºÚ°µ±¬ÁϹٷ½ IBAN.

How does ºÚ°µ±¬ÁϹٷ½ distribute cash balances?

We want to pass on attractive interest rates and thus provide a competitive offer. To this end, we distribute the cash balances among trustee banks and qualified money market funds. We take into account our strict selection criteria, the available capacities and conditions on the money market and the trading activity of our clients. This may mean that cash balances are only held at a trustee banks and/or only at a qualified money market fund. All clients with a ºÚ°µ±¬ÁϹٷ½ account can see how the cash balance is allocated via the account statement and at any time in their client area in the app or on the web.

Please note our risk information on the safekeeping of cash balances.

Why is the forwarded interest variable?

Cash balances are held at trustee banks and money market funds without a fixed term and with variable interest rates. The respective interest rate is based on the conditions on the money and/or capital market and the ECB's interest rate for deposits. The trustee banks may raise or lower their interest rates at any time. The interest rate of the qualified money market funds, also known as the yield, can be viewed on a daily basis at the respective fund provider. You can find all links and the documents of the trustee banks and qualified money market funds here: /en/documents-information.

Please note our risk information on the safekeeping of cash balances.

How can I transfer cash between my two accounts?

To transfer cash between your ºÚ°µ±¬ÁϹٷ½ and Baader accounts, first instruct a withdrawal to your current account (reference account) in the ºÚ°µ±¬ÁϹٷ½ client area of the respective account. You can then deposit the cash to your other account via bank transfer, direct debit, or ºÚ°µ±¬ÁϹٷ½ Instant.

Starting in the fourth quarter of 2025, as part of the automatic account transfer service, your cash balance from the Baader account will be directly transferred to your ºÚ°µ±¬ÁϹٷ½ account.

Can I transfer my securities from another broker or bank to the new ºÚ°µ±¬ÁϹٷ½ account?

This will already be possible in February. Once available, you can conveniently initiate the transfer like so: Under Profile in the Products tab, you can start an individual or total transfer. More information can be found here.

Can I transfer my securities from the Baader account to the new ºÚ°µ±¬ÁϹٷ½ account?

Please use our account transfer service in the fourth quarter of 2025 for this purpose. Only in this way can we ensure a smooth transfer of your securities with our partner Baader Bank. We will take all necessary measures to facilitate a seamless transition.

Your accounts at Baader (Wealth and Broker) will be transferred including cash, savings plans, fractions, loss pots and exemption order (“Freistellungsauftrag”). After the transfer we will close your account. Your account at ºÚ°µ±¬ÁϹٷ½ will then contain all your positions as well as your transaction history and documents. We will inform you beforehand.

Securities transfers require manual processing steps at both the sending and receiving institutions, as well as coordination with the clearing houses and other parties involved. Therefore, we will carry out the transfer service for our clients collectively in the fourth quarter of 2025. This is the only way we can plan with sufficient lead time and provide an orderly and trouble-free transition. We will work closely with our partner Baader Bank, the custodians, and all other relevant parties.

Will I receive a new IBAN?

Yes, you will receive a new IBAN for the new ºÚ°µ±¬ÁϹٷ½ account. You can find it in the app under Profile > Account details (ºÚ°µ±¬ÁϹٷ½) > Products. On the website, it can be found under Profile > Products > Product Details.

Your Baader Bank IBAN remains. You can find it under Profile > Account details (Baader Bank) > Products. On the website, it can be found under Profile > Products > Product Details.

How do I gain access to the new ºÚ°µ±¬ÁϹٷ½?

Log into your client area. There, you can agree to the new terms and conditions to get access to the new ºÚ°µ±¬ÁϹٷ½.

If you already gave your consent, you do not need to take any further action. We will automatically open the new ºÚ°µ±¬ÁϹٷ½ account for you.

Do I still have access to my Baader account?

Yes. You will still have access to all existing accounts at Baader Bank alongside the ºÚ°µ±¬ÁϹٷ½ account. Your app and access credentials will remain unchanged. No reidentification is required. In the app, you can easily switch between your existing Baader and your new ºÚ°µ±¬ÁϹٷ½ securities account in the profile. On the web, this can be done via the side bar navigation.

Where will my PRIME+ or PRIME fee be deducted from in the future?

The regular PRIME+ or PRIME fee will only be charged from one account, depending on the availability of cash in your ºÚ°µ±¬ÁϹٷ½ and Baader accounts. If cash is insufficient in both accounts your ºÚ°µ±¬ÁϹٷ½ account will be overdrafted and you will be informed in a message.

Do I have to set up a new tax exemption?

To make use of your tax allowance in your ºÚ°µ±¬ÁϹٷ½ account, you need to set up a new tax exemption. You can do this in the app in the Profile under Account details (ºÚ°µ±¬ÁϹٷ½) > Set up tax exemption. Or on the web under Profile > Taxes.

The maximum tax exemption in 2025 is €1,000 for single persons and €2,000 for married couples and registered partnerships. Hence you can choose to split up the tax exemption between ºÚ°µ±¬ÁϹٷ½ and Baader.

Will my Baader account be transferred to ºÚ°µ±¬ÁϹٷ½?

Yes, your accounts at Baader (Wealth and Broker) will be transferred including cash, savings plans, fractions, loss pots and exemption order (“Freistellungsauftrag”). After the transfer we will close your account. Your account at ºÚ°µ±¬ÁϹٷ½ will then contain all your positions as well as your transaction history and documents. We will inform you beforehand.

We will take all necessary measures to facilitate a seamless transition with our partner Baader Bank. You don’t have to take any action. You will be informed before the start of the transfer.

What specific changes will there be for ºÚ°µ±¬ÁϹٷ½ Wealth?

Existing Wealth portfolios will remain with Baader Bank until the fourth quarter of 2025, and the terms for these will not change until the transfer. Your existing portfolios will be transferred from Baader Bank to your new ºÚ°µ±¬ÁϹٷ½ account in the fourth quarter of 2025 – we will inform you in advance.

You can now use the new ºÚ°µ±¬ÁϹٷ½ when opening a new Wealth portfolio:

• In the app, this can be done through your Profile, and on the web, it is straightforward via the homepage of your client area under Add Product
• You will also benefit from the new ºÚ°µ±¬ÁϹٷ½ offering, e.g. two new investment strategies and consolidated monthly statements
• Unchanged low total fees: possibility to credit 50% of the fee for Wealth your tax loss pot.

What is the European Investor Exchange?

The is Europe's most modern stock exchange, specifically focused on the needs of individual investors. ºÚ°µ±¬ÁϹٷ½ operates European Investor Exchange in cooperation with the Hanover Stock Exchange. ºÚ°µ±¬ÁϹٷ½ provides technology and liquidity. The Hanover Stock Exchange is responsible for the oversight according to German public law, particularly for trading supervision.

Can I decide which exchange to use for my trades?

Yes, you have full flexibility to select the venue when placing an order. Besides European Investor Exchange, the other venues include gettex (Munich Stock Exchange) and Xetra (Deutsche Boerse). The costs for trading on gettex and Xetra have not changed.

Is ºÚ°µ±¬ÁϹٷ½ a bank now?

No. We are an investment firm, which means we can handle your securities account and all investment-related services. For your cash balances, we work with partner banks and money market funds. In addition to managing the securities accounts, we have applied for authorization for deposit business to be able to accept client deposits ourselves in the future.

What happens in case of insolvency of ºÚ°µ±¬ÁϹٷ½ or the partner banks?

Cash balances are safeguarded in accounts with partner banks and in money market funds. Initially, these are Deutsche Bank, J.P. Morgan Asset Management, DWS, and BlackRock. Deposits are protected up to €100,000 per customer per bank under the statutory deposit protection scheme. For money market funds, European investor protection rules (UCITS) apply regardless of the amount.

I have deposited my non-assessment certificate with Baader Bank. Do I have to resubmit it for the ºÚ°µ±¬ÁϹٷ½ account?

Yes, the non-assessment certificate must be resubmitted. Tax offices issue non-assessment certificates for a period of up to three years. You can find the application for a non-assessment certificate .

Once you have received the non-assessment certificate from your tax office, please send it as a scan by e-mail to service@scalable.capital. Please do not send us any original certificates.