About
Scalable Capital is a comprehensive European fintech platform combining a digital bank, self-directed broker, and automated robo-advisor in one app. Users can trade stocks, ETFs, mutual funds, cryptocurrencies, and derivatives with low or flat-rate fees, and set up savings plans from as little as €1. The platform offers 2.5% p.a. interest on unlimited daily cash balances, paid out monthly, making it attractive for both active traders and savers. The Wealth service provides hands-off, algorithm-driven portfolio management by Scalable's expert team, adapting allocations based on risk profile and market conditions. A standout feature is the Kinderdepot (children's depot), allowing parents to invest for their children's financial future alongside a pocket-money account. PRIME+ subscribers benefit from enhanced deposit protection across up to five banks (up to 5×€100,000) and a trading flat-rate for unlimited trades. The platform is designed to be intuitive and accessible, lowering barriers to investing through transparent pricing, modern technology, and a clean mobile-first interface. Scalable Capital also offers loans of up to €100,000 with variable interest rates for credit-financed investments. Whether you prefer to manage your own portfolio or delegate to automated wealth management, Scalable Capital covers the full spectrum of personal finance needs.
Key Features
- Commission-Free Broker: Trade stocks, ETFs, funds, cryptocurrencies, and derivatives with low flat-rate fees and savings plans from €1.
- 2.5% p.a. Interest on Deposits: Earn 2.5% annual interest on unlimited daily cash balances with monthly payouts, no cap on the amount.
- Robo-Advisor (Wealth): Automated, algorithm-driven portfolio management by Scalable's expert team, tailored to your risk profile and financial goals.
- Kinderdepot (Children's Depot): Invest for your children's future with a dedicated children's investment account and pocket-money features.
- Enhanced Deposit Protection (PRIME+): PRIME+ subscribers get up to 5×€100,000 deposit protection by distributing funds across multiple banks.
Use Cases
- Self-directed investors trading stocks, ETFs, and cryptocurrencies with low fees and savings plans from €1.
- Hands-off investors looking for automated portfolio management through the Wealth robo-advisor.
- Savers seeking competitive interest rates (2.5% p.a.) on their cash without locking funds in long-term products.
- Parents investing for their children's future using the Kinderdepot and pocket-money account features.
- Active traders taking advantage of the PRIME+ flat-rate subscription for unlimited trades at a fixed monthly cost.
Pros
- All-in-One Financial Platform: Combines banking, brokerage, robo-advisory, and savings in a single, intuitive app.
- Competitive Interest Rate: 2.5% p.a. on unlimited cash deposits is well above most traditional bank savings accounts.
- Low Barrier to Entry: Savings plans start from just €1 and the depot is free to open, making investing accessible to everyone.
Cons
- German/EU Market Focus: The platform is primarily designed for German and European users; availability and features may vary outside these regions.
- Premium Features Require Subscription: The trading flat-rate, enhanced deposit protection, and best interest rates are locked behind the paid PRIME+ tier.
- No Tax Advisory: Scalable Capital does not provide tax advice, and users must handle their own tax reporting obligations.
Frequently Asked Questions
Is Scalable Capital free to use?
Yes, opening a depot and basic brokerage are free. A PRIME+ subscription unlocks additional features like a trading flat-rate and enhanced deposit protection.
What can I invest in on Scalable Capital?
You can invest in stocks, ETFs, mutual funds, cryptocurrencies, derivatives, and private equity, as well as set up automated savings plans.
How does the robo-advisor (Wealth) work?
The Wealth service uses algorithms and an expert team to automatically build and manage a diversified portfolio based on your risk profile and investment goals.
How safe are my deposits with Scalable Capital?
Deposits are protected by the German statutory deposit guarantee scheme up to €100,000 per bank. PRIME+ subscribers can distribute funds across up to five banks for up to €500,000 in protection.
Can I open an account for my child?
Yes, Scalable Capital offers Kinderdepots (children's investment accounts) along with a pocket-money (Taschengeld) feature and 2.5% p.a. interest to help build your child's financial future.
