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Scalable Capital

European digital investment platform offering stocks, ETFs, crypto, and more at low costs

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Community summary

Scalable Capital is a leading German digital investment platform and bank, headquartered in Munich. Founded in 2014, it provides retail investors across Europe with access to stocks, ETFs, mutual funds, bonds, derivatives, cryptocurrencies, commodities, and private equity. The platform operates with a full banking license from the European Central Bank (ECB) and is regulated by BaFin.

Broker specification

Markets, costs, accounts and operations

Source-attributed product facts checked 2026-08-01. Terms can vary by legal entity, account type and client jurisdiction; verify the linked official documents before opening an account.

Stocks & ETFsCrypto accessMulti-Asset
Minimum deposit
€1 (no minimum)
Spread from
Variable bid-ask spreads on European Investor Exchange and gettex (varies by security)
Commission from
€0.99 per trade (FREE Broker)
Maximum leverage
0.75x (75%) for stocks, ETFs, and funds; 0% for derivatives and crypto ETPs

Markets & instruments

Asset classes
Stocks · ETFs · Funds · Bonds · Crypto · Commodities
Execution model
Not independently confirmed · Agency · Market maker
Client types
retail

Platforms & accounts

Platforms
Web platform · Mobile app (iOS) · Mobile app (Android)
Account types
Scalable Broker (FREE - commission per trade) · Scalable Broker (PRIME+ - flat monthly rate) · Scalable Wealth (robo-advisor) · Scalable Overnight account (savings account) · Scalable Kids account (minor investors) · Scalable Credit account (margin trading)
Base currencies
EUR

Funding

Deposit methods
SEPA bank transfer · SEPA direct debit · Instant payment (0.99% fee on FREE, 0.69% on PRIME+) · Direct debit from current account for savings plans
Withdrawal methods
SEPA bank transfer · Direct debit (for recurring withdrawals)

Support

Channels
Email (service@scalable.capital, community@scalable.capital) · Phone (+49 89 380 380 67) · In-app chat support · Contact form on website · Help center/FAQ
Languages
German · English · Dutch (Netherlands residents only) · French (France residents only) · Italian (Italy residents only) · Spanish (Spain residents only)
Hours
Email and chat support available; trading hours Monday-Friday 08:00-23:00 CET

Account capabilities

Demo account
Islamic account
Copy trading
Negative balance protection

Key features

  • Full banking license from ECB (as of September 2025)
  • Zero deposit minimum - start with €1
  • Free savings plans for all stocks, ETFs and exchange-traded products
  • Own stock exchange (European Investor Exchange) for retail investors
  • 2.50% interest p.a. on Overnight account cash balances
  • Free real-time market data
  • Price alerts and portfolio analysis tools
  • Tax optimization features with automated tax reporting
  • Margin trading with up to 75% leverage on stocks and ETFs
  • Extended trading hours (08:00-23:00 Monday-Friday)

Fees and trading costs

FREE Broker: €0.99 per trade (stocks/ETFs <€250 on EIX/gettex), free for PRIME ETF purchases ≥€250, €0 for savings plans. PRIME+ Broker: €4.99/month flat rate including unlimited trades on EIX/gettex ≥€250, €0.99 for orders <€250. Xetra trades: €3.99 + 0.01% venue fee (min. €1.50). Crypto ETPs: 0.99% spread surcharge (FREE) or 0.69% (PRIME+). Instant deposits: 0.99% (FREE) or 0.69% (PRIME+). No custody fees, account fees, or initial fees.

Investor protection

Statutory deposit insurance up to €100,000 per depositor per bank through Entschädigungseinrichtung deutscher Banken GmbH. PRIME+ members can receive up to €500,000 coverage through distribution across Scalable Capital and four partner banks. Securities held at Clearstream Banking AG (Germany) in collective custody. Investor Compensation Scheme (BVD) covers securities/trading activities.

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Trustpilot

Checked 2026-08-01

4.0
6,574 reviews
Recurring positives: Streamlined onboarding and user-friendly app interface · Excellent selection of over 1,700 ETFs and 3,800+ funds with low fees · No minimum deposit requirement, starting from €1 · Competitive pricing models including free broker option
Recurring concerns: Inconsistent customer support responsiveness with long response times · Limited trading venue access concentrated on internal exchanges (EIX, gettex) · High FX conversion fees (0.99%) compared to competitors · Potential conflicts of interest with order routing to proprietary exchange
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