Scalable Capital Reviews 5,494

TrustScore 4 out of 5

3.8

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Review summary

Based on reviews, created with AI

Reviewers had a great experience with this company. Customers consistently praise the mobile application for its user-friendliness, intuitive design, and clear overview of investments, making it easy to manage their portfolios. Many appreciate the automated features that simplify the investing process and the effective communication within the app. However, some people were dissatisfied with certain aspects of the service, citing slow transfers and manual processes for tax exemptions. There were also mentions of issues with incorrect calculations of average buy-in prices and stop-losses not being executed as expected. A few users also found the website and some features within the app to be confusing or buggy, particularly during registration or when trying to access specific information.

What people talk about most

User experience

Reviewers highlight positive aspects of user experience, often praising the app's ease of use, clear... See more

Service

People report ambiguous experiences with service. While some customers praise the unparalleled ease of use,... See more

Website

Reviewers mention ambiguous feedback about the website. Many customers praise the intuitive interface, clean... See more

Application

Users describe positive interactions with the app, often highlighting its ease of use and straightforward... See more

Price

Customers had ambiguous experiences with price. Many reviewers expressed dissatisfaction, citing hidden fees,... See more

Based on these reviews

Rated 4 out of 5 stars

I've been using Scalable Capitol for about two years now and really like their app and trading options. Can definitely recommend. But since they recently became their own bank they do not offer a Fin... See more

Company replied

Rated 4 out of 5 stars

The app allows me to invest passively. Additionally the recent addition of Scalable bank is also quite useful for the cash sitting idle in the account to get interest. One thing which could be impr... See more

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Rated 4 out of 5 stars

It is a good app for investing. But it definitely needs improvement in terms of services offered. They should start direct partial buying of stocks. Not all stocks are listed. Probably should start pr... See more

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Rated 4 out of 5 stars

I really like the app, but here are two things I would suggest to improve: 1. the black layout is not great. Maybe consider a more eye-friendly color. 2. Seeing my portfolio gains only in EUR is not... See more

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Rated 4 out of 5 stars

The app is easy to understand and almost self-explanatory. Clear (over-)view of things. The new Insights feature is great and saves time when trying to gather more information. It would be fant... See more

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Rated 3 out of 5 stars

Good - The platform is fairly stable - Their communication through the app is great - It’s fairly well known & gives off a more mature vibe Bad - Transfers are excruciatingly slow - Gett... See more

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Rated 4 out of 5 stars

I like the structure, but I miss a pie chart over the depot. The right weight is important and so I have always to calculate the percent of each investment in an excel (including the cash)

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Rated 4 out of 5 stars

2fa is great, app looks polished, some features like seeing distributions or paying out money I always need to look twice.

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Rated 5 out of 5 stars

- Having used multiple brokers over that last years, I must say that Scalabe has set a benchmark for the other new brokers to beat (at least in DE). - Easy to use, great subscription model and S... See more

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Rated 5 out of 5 stars

I’ve been using the Scalable Capital mobile app for over a year and I’m really satisfied. The app is very straightforward, with lots of automated features that make investing simple. Handling is e... See more

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Rated 3 out of 5 stars

I had to buy stocks three days ago when the market was significantly down, but I'm still waiting for the €2,000 I transferred to become available in my Scalable Capital account. It feels like I've bee... See more

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Rated 3 out of 5 stars

Trust is very important when it comes to the selection of the Broker. Customer support team addressing concerns as promised is what contributes to Trust. Scalable Capital has worse customer support I... See more

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Rated 3 out of 5 stars

The recent move of interest into an 'Overnight Account' - meaning extra work for customers if we want to receive the interest (also for our kids) - comes with little explanation as to why the service... See more

Rated 3 out of 5 stars

I’m repeatedly facing issues with my stop-loss orders. Whenever I set a stop-loss for a position, it often ends up not being executed, and I receive the same explanation from Scalable — that the sto... See more

Company replied

Rated 2 out of 5 stars

Have you ever hear about the Munich exchange? No, normal because it doesn't exist, but it is what this scamy platform is using!!! You belive fees are low, check how the spread is going to ruin every s... See more

Rated 5 out of 5 stars

So far I didn’t have issues with scalable capital, so there’s nothing to complain about. And it looks like they are improving all the time. The app is actually really nice and easy to use. Big adv... See more

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Rated 5 out of 5 stars

Using it from Germany , The app is 100% better than any investment app I’ve ever used before , simple and understandable in few minutes, gives you all the options and benefits that you as an investor... See more

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Rated 3 out of 5 stars

Nothing special about this broker: Average fees, average benefits. It doesn't offer payment cards or fast free payouts. So it's actually a bit more limited than e.g. TradeRepublic. Only differe... See more

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Rated 5 out of 5 stars

This is my first investment app in Germany. Till now the experience is very good. Quite easy to use. Very transparent. However I would like to have 2 features. An option to show top 20 stocks which ar... See more

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Rated 3 out of 5 stars

Although competitors offer super-fast pay-in and payout speeds, Scalable Capital is still very slow when it comes to moving money. I’d like to set up a weekly savings plan, as many other brokers provi... See more

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Rated 5 out of 5 stars

So far it’s very good experience, the layout I like the most. To see maximum performance of any stocks it’s showing not more than 10 years history , I would suggest if we can trace the stocks hist... See more

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Rated 5 out of 5 stars

The app is quite good and simple so the user don't face any difficulties to explore as compare to other app in the market. In addition, I want to have a option in the app to disable the interest facto... See more

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Rated 5 out of 5 stars

Scalable Capital has the best broker and they are so sweet to work with credit is always welcome and you can also save money with with them. I am so happy with scalable capital they have changed my l... See more

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Rated 5 out of 5 stars

Great app and banking services. Their customer service is reliable and their communication and UX is great too. Super happy. I’ve been investing with them for 4 years.

Company replied

Rated 5 out of 5 stars

I’ve been using Scalable Broker for two years now, and I’ve been consistently impressed with both the platform. The interface is intuitive, making it easy to navigate and manage my investments with... See more

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Rated 5 out of 5 stars

Great broker. Easy to use ! Provides Tax certificate, such a relief. A bit expensive transactions if you don't have their Prime Broker

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Rated 5 out of 5 stars

It was quite easy to set up an account with Scalable capital. The app is also very user friendly. The fees are clear. I have not had to interact with the support team as I did not face any issue af... See more

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Rated 5 out of 5 stars

User interface is very good. Prior to opening their own bank sending and withdrawing money got much easier.

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Rated 1 out of 5 stars

I tried 4 times to register today, but I could not because I was not able to choose any job, since the dropdown was bugging. I tried 3 times with 3 different browsers on my PC and 1 time at my phone.... See more

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Rated 5 out of 5 stars

I've been using Scalable Capital for quite some time now and I have nothing but praise for the product, the pricing, the customer support and the UX/UI.

Company replied

Rated 5 out of 5 stars

Mükerrem Yildizhan Has done a wonderful job with my Case. I can only suggest SC! Personal thanks to Mükerrem Yildizhan.

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Rated 5 out of 5 stars

Unparalleled ease of use with best customer support services among competitors. Their AI features Insights and the support chatbot are actually very helpful if you use and explore it properly

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Rated 5 out of 5 stars

Scalable capital excels at providing great services that are integrated well with one another. That results in a great user experience.

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Rated 3 out of 5 stars

Likes: 1- Clear Interface 2- Easy to use 3- Transparent transaction 4- Ease of legalities Dislikes: 1- Its difficult to know (exact time) when the transaction will happen on the dat... See more

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Rated 3 out of 5 stars

I think most of the features even basic ones like withdrawal or sending money our set up in such a way that it is very complicated! I even sent in one point in time 2000€ to earn interest through y... See more

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Rated 3 out of 5 stars

Missing functionalities: - Year to date view - Month to date view (Month and year views are only rolling) - possibility to perform Excel extract with URP, number of actions

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Rated 4 out of 5 stars

ita: sono un piccolo investitore su Scalable Capital, e trovo questo broker ottimo, l'unico grande problema che ha è che questo broker è che non offre il regime amministrativo ai suoi clienti ita... See more

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Rated 1 out of 5 stars

The dashboard view is really bad, shows no clear insights of all the investments and returns. Even when one drills down on the each individula ETF in estment its really hard to findout how much is... See more

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Rated 1 out of 5 stars

I dont know... It seems like a scam. 1. UI is super confusing. 2. They just decided to terminate all business relations with me without any explanations. And what is more concerning - they don't... See more

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Rated 2 out of 5 stars

They offer an app-first access to your portfolio. Sometimes this doesn't work. Some of your assets might not accessible or tradeable at some point, without a notification. During the transfer from one... See more

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Rated 1 out of 5 stars

2 week of useless mail with support center. I`m not able to perate neither with app or laptop after migration. The answer from the support is that I have an outdated android version. Unbelievable. By... See more

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Rated 3 out of 5 stars

Great platform to invest my extra money in the market. giving great options in ETF, Stock and even for Crypto. I find the charges per transaction for crypto a bit concerning though. It isnt consan... See more

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Rated 1 out of 5 stars

Its been so many days, I cant login anymore. Reinstalledthe app, now its asking me to setup 2 factor authentication again. But while setting up 2 factor authentication, it is not sending me OTP to my... See more

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Rated 1 out of 5 stars

Customer experience is really bad. Although the people are very friendly, it takes too long time to solve simple issues or they can not solve them at all.. Interface also is terrible. Its like inte... See more

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Rated 4 out of 5 stars

Scalable has several advantages over the market leader TradeRepublic - brandnew automatic re-invest of dividends and a working help desk are the highlights. Saclable has various execution d... See more

Company replied

Rated 1 out of 5 stars

I am disappointed with Scalable Capital. I tried to transfer my money from my old Baader Bank account to the new Scalable account and accidentally used the Instant Deduction feature in the app. The ap... See more

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Rated 1 out of 5 stars

Onboarding process has been tedious to say the least. Scalable cancelled my account without prior notice or reasons. Communication is lacking by far, only to receive notification that my documents wer... See more

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Rated 3 out of 5 stars

Overall, the usage experience is rather good - the design is nice, you can use two-finger touch for calculation changes between two points on the graph. However, the order interface is made in an... See more


Company details

  1. Investment Service

Written by the company

Scalable Capital is a leading FinTech in Europe, bringing together people and technology-based investment. For private individuals, we offer digital wealth management and a broker with a trading flat rate. In digital wealth management, we create and manage globally diversified ETF portfolios for our clients with sustainable investment strategies when desired. The broker enables private individuals to trade shares, ETFs, Crypto ETPs, funds and derivatives themselves and to set up ETF and stock savings plans. Capital at Risk.

About Scalable Capital

Written by the company

Personalised & Diversified
We provide personalised, globally-diversified ETF-portfolios designed to create long-term wealth.
Cost-Efficient.
To do this, we select the best and most cost-efficient Exchange Traded Funds (ETFs).
Your Risk Under Control.
We monitor and manage your portfolio continuously with our proprietary risk management technology.

Contact info

3.8

Great

TrustScore 4 out of 5

5K reviews

5-star
4-star
3-star
2-star
1-star

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Rated 1 out of 5 stars

AVOID using this platform

AVOID using this platform; they are unreliable, and they will only lure you to keep adding more funds, but they will disappoint you in the end. I have learned my lesson the hard way. But #Crop Mines.....has proven to be the best alternative that pays constantly and assures good returns.

March 24, 2026
Unprompted review
Rated 2 out of 5 stars

RUBBISH!!!

Have you ever hear about the Munich exchange? No, normal because it doesn't exist, but it is what this scamy platform is using!!! You belive fees are low, check how the spread is going to ruin every single of your position! STAY AWAY

March 21, 2026
Unprompted review
Rated 1 out of 5 stars

Refused to open an account without providing a reason

After waiting for almost a week to have my new account verified, I received an email from their support saying that they decided not to open it for me without providing any reason whatsoever.

I have a Russian passport, but I've been a legal resident of Germany for almost five years with a permanent residence as of last year. Yet that wasn't enough for them apparently.

I haven't had any similar issues with any other financial institutions here before, so I can only assume that this is due to my Russian citizenship and nothing else.

A real shame as I was really excited to finally try out investing and chose SC after countless recommendations and positive reviews I had seen online.

I guess I'll have to go with a different platform.

March 19, 2026
Unprompted review
Rated 3 out of 5 stars

Interest downgrade

The recent move of interest into an 'Overnight Account' - meaning extra work for customers if we want to receive the interest (also for our kids) - comes with little explanation as to why the service needs to be degraded like this. Or have I missed the explanation?

March 17, 2026
Unprompted review
Rated 1 out of 5 stars

Horrible Customer Service

The tech is not bad so it's a real shame their customer service is completely useless. They overcharged me tax back in October 2025 and they still haven't resolved the issue 5 months later. It's impossible to get any customer support from them.

March 16, 2026
Unprompted review
Rated 3 out of 5 stars

Great platform to invest my extra money…

Great platform to invest my extra money in the market.
giving great options in ETF, Stock and even for Crypto.

I find the charges per transaction for crypto a bit concerning though. It isnt consant and is quite high as well.

March 5, 2025
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello Yash,
thank you for your review. Good to hear that you like our offer. We are sorry if you are not satisfied with the fees overview. Please find all information here again: https://de.scalable.capital/en/trading-costs.
Kind regards,
Eva from Scalable Capital

Rated 5 out of 5 stars

The app is easy and very good to trade

The app is easy and very good to trade. Also great to get 2% return on cash. Still some improvements to make the app suitable buy stocks for any amount instead of full shares.

February 28, 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello,
thank you very much for your review! We are happy that you are generally satisfied with our product. We will to take your request into account and pass it on to our team.
Kind regards,
Eva from Scalable Capital

Rated 1 out of 5 stars

Registration buggy and impossible

I tried 4 times to register today, but I could not because I was not able to choose any job, since the dropdown was bugging. I tried 3 times with 3 different browsers on my PC and 1 time at my phone. It never worked. THe dropdown to choose the job was not showing and I was not allowed to continue without it. I tried my registeration via the affiliate programm of the YouTuber Finanzbaer. I think you should fix this issue ASAP. Never had a finance platform before, that was so buggy that you could not even register. No good first impression...

March 3, 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello Andreas,
We are sorry if you are experiencing any problems. If the problems still persist, please contact our customer service via +49 89 380 380 67 or service@scalable.capital.
Kind regards,
Eva from Scalable Capital

Rated 1 out of 5 stars

Onboarding process has been tedious to…

Onboarding process has been tedious to say the least. Scalable cancelled my account without prior notice or reasons. Communication is lacking by far, only to receive notification that my documents were not sufficient due to the address lacking as proof on the invoice (which is NOT the case). Sadly tried to open account, twice, and both cases accounts were cancelled. Guess I have to go to the competitor...

February 23, 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello,
thank you for your feedback. We regret that you had an unsatisfactory experience. If you still have an unresolved issue, please send us an email to community@scalable.capital so that we can pass it on internally.
Kind regards,
Eva from Scalable Capital

Rated 1 out of 5 stars

Too slow

Too slow. The approval process took almost 4 days.

January 15, 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello Yadvendra,
thank you for your review. We are sorry if you have had an unsatisfactory experience. We will take your feedback into account and are continuously developing our processes to further speed up these procedures.
Kind regards,
Eva from Scalable Capital

Rated 2 out of 5 stars

Ok for adults, a disaster for child accounts

For me it has worked, but for my kids ir is a disaster, the process does not work

February 14, 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello Endika,
thank you for your feedback. We are sorry if you are experiencing any problems. If you have any questions or problems, you can contact our customer service team at any time.
Kind regards,
Eva from Scalable Capital

Rated 1 out of 5 stars

Worst Customer experience and Interface ever

Customer experience is really bad. Although the people are very friendly, it takes too long time to solve simple issues or they can not solve them at all..

Interface also is terrible. Its like interacting with an application like 10years before..

February 12, 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello Petros,
thank you for your feedback. We're sorry if you had unsatisfactory experiences with our customer service. Due to an increased volume, there may unfortunately be delays in processing inquiries at the moment. We are continuously developing our processes and expanding our customer service team. Alongside that, we're sorry to hear that you're not satisfied with our product. You can send your wishes to our customer service team at any time or send us a direct message on one of our social media profiles.
Kind regards
Eva from Scalable Capital

Rated 3 out of 5 stars

fee is high

good to start

February 8, 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello Mehedi,
thank you for your review. We're sorry to hear that you are not fully satisfied with our offer. We will take your feedback into account.
Kind regards,
Eva from Scalable Capital

Rated 4 out of 5 stars

Scalable has several advantages over…

Scalable has several advantages over the market leader TradeRepublic - brandnew automatic re-invest of dividends and a working help desk are the highlights.

Saclable has various execution days for savings plans, the limit is the meanwhile marketwide 1€. It's a shame you´re limited to one execution day per share and the shortest execution period is one month – weekly or even on every of the execution days would be so much better for me using the cost average. And that would certainly be easy to implement - TradeRepublik has weekly at least :-), not to mention zero, smartbroker+, trading 212, lightyear...

The variety of meanwhile over 4500 differnt shares for saving plans is really becoming good and has the huge advantage, that scalable is not limited to Eix - if L+S is delisting a share in TradeRepublik you´re lost at least with your fractionals, here you still find another exchange to exit if you have to.
The many availible shares are good alternative against the big bunch of ETFs full of big-caps - I was surprized to find the maximum saving plans availible is limited to 250. Surely the limit is made to keep performance up - which is mostly good on the site. But I wished sclable would have sub-depots - to easier divide my trading and my long term positions - and to have the limit several times :-)

One more advantge of Scalable is the interst you´re getting on your current account on EZB-rate - this way you get interest on money blocked by limited share buy orders - this one offered only by TradeRepublik, others as xtb offer lower rates or can´t do it at all.

Sure, for many comfort things you expect at full banks (statistics, cards for annual meetings) you better still have an online bank as Consors or comdirect - but the basic stuff is availible here at Scalable - and becomes improved permanently it seems - it´s sad I have not find a way to invest in scalable itself :-)

February 6, 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello Marie,
thank you very much for taking the time to leave us this positive and detailed review. We really appreciate the feedback and are pleased that you like our product. We are happy to take your requests regarding our savings plan offering and sub-accounts into consideration and always strive to incorporate feedback from our customers into our further development. You can currently already sort your portfolio using portfolio groups or the watch list. Please find all the relevant information in our help center: https://help.scalable.capital/en
Kind regards,
Eva from Scalable Capital

Rated 5 out of 5 stars

So far reliable and well functioning

So far I didn’t have issues with scalable capital, so there’s nothing to complain about.
And it looks like they are improving all the time. The app is actually really nice and easy to use.
Big advantage for me is the fact that they finally got their banking license

February 2, 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello Tetiana, thank you for taking the time to leave us this positive review. We really appreciate the feedback and are pleased that you like our offer. Kind regards, Eva from Scalable Capital

Rated 4 out of 5 stars

Polished app with 2fa

2fa is great, app looks polished, some features like seeing distributions or paying out money I always need to look twice.

February 1, 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hi Kevin, thank you for your review. We are pleased that you like our product! We will gladly take your feedback into account and pass it on to our team. Kind regards, Eva from Scalable Capital

Rated 5 out of 5 stars

Easy to use

Easy to use. I’ve been using Scalable Capital for almost a year now. Much recommended.

January 23, 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello Aida,
thank you for sharing your experience! We hope you continue to be satisfied with our product.
Kind regards,
Lasse from Scalable Capital

Rated 3 out of 5 stars

We need more etfs. Some etf are not available. More detailed ratios needed.

We needed more detailed ratios, averages, details about etfs. Stocks included in an etf it's percentage. Commodities section is required. 5 year balance sheet, income statement, flowchart required.

January 1, 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello, thank you for your review and suggestion. Our team is constantly working on optimisations and is always happy to receive feedback that can be incorporated into the further development of the product. You are also welcome to send us specific ETF requests on scalable.capital/kontakt or via direct message on one of our social media profiles. Kind regards, Eva from Scalable Capital

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