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
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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.
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München & Berlin & London, Germany
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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.
Avoid this platform to keep your money safe. I was scammed, but meazontrels helped me recover my full amount.
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
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.
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?
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.
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.

Reply from Scalable Capital
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.

Reply from Scalable Capital
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...

Reply from Scalable Capital
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...

Reply from Scalable Capital

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

Reply from Scalable Capital
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..

Reply from Scalable Capital
User friendly solution with plenty of data and great offers

Reply from Scalable Capital
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 :-)

Reply from Scalable Capital
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

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

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

Reply from Scalable Capital
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.

Reply from Scalable Capital
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