Scalable Capital

Active

Country: Germany (DE)
Founded: 2014
Developer: Scalable Capital GmbH
Pricing: Freemium
Open source: No
Platforms: Web, iOS, Android

Indexes

Investing/Portfolio

Overview

Scalable Capital is a regulated digital investment platform and bank offering brokerage services, wealth management, and savings accounts. The platform enables users to trade stocks, ETFs, funds, bonds, and derivatives, as well as set up automated savings plans starting from €1. It serves retail investors across Europe, particularly in Germany, Austria, France, Italy, Spain, and the Netherlands, with a client base predominantly aged 27-34.

Key Features

Self-directed trading - Trade stocks, ETFs, funds, bonds, and derivatives across multiple exchanges
Automated savings plans - Set up recurring investment plans in stocks, ETFs, and funds from €1 monthly
Digital wealth management - Algorithm-driven portfolio management selecting from thousands of ETFs based on investment strategy
Cash interest accounts - Earn interest on cash balances (2% p.a. on PRIME+ tier, up to €100,000 on FREE tier)
Secured loans - Access credit products through the Credit offering
Portfolio tracking - Monitor diversification, returns, and benchmark performance through the app
Tax optimization - Set up exemption orders for tax-free profit thresholds (€1,000 for individuals)
Privacy mode - Hide sensitive account data within the app interface

Pricing

Plan	Price	Includes
FREE	€0/month	Up to €100,000 cash interest at 2% p.a., one free ETF for savings plans, access to 600 partner ETFs, basic trading and portfolio management
PRIME+	Paid tier (exact price not specified)	Unlimited cash interest at 2% p.a., full access to all ETFs, choice between two stock exchanges, secured loans, priority support

Platforms & Requirements

Available as a web application and native mobile apps for iOS and Android. The platform is accessible across Europe with market presence in Germany, Austria, France, Italy, Spain, and the Netherlands. Desktop and mobile apps were developed from scratch for fast and simple processes.

Integrations & Ecosystem

Securities transfer from other brokers
Multiple stock exchange connectivity
ETF selection from thousands of providers including Invesco X Trackers and Aishas
Portfolio tracker integration for performance analysis
White-label wealth management platform for B2B clients

Alternatives

App	Difference
Interactive Brokers	Offers more advanced trading tools and global market access but with higher complexity and minimum account requirements
Degiro	Competitor European broker with lower fees on some products but less integrated wealth management services
Trade Republic	Similar mobile-first approach but focuses more on commission-free trading with different fee structure
Wise	Primarily currency exchange and transfers rather than investment platform, though offers some investment features

Reputation

Scalable Capital is recognized as a leading digital investment platform in Europe with strong regulatory standing as a BaFin-supervised CRR credit institution. The platform is praised for its user-friendly interface, low minimum investment thresholds, and competitive interest rates on cash balances. However, some users note that advanced traders may find the platform less feature-rich compared to traditional brokers, and the service availability is limited to specific European markets.

Sources (9)