Scalable Capital Review: Complete Guide for Investing in 2025
Investing in financial markets has never been more accessible thanks to the rise of neo-brokers and digitized investment platforms. Scalable Capital has now established itself as one of the key players for investing in stocks, ETFs, funds, and cryptocurrencies in Europe. In this detailed and fully updated article for 2025, discover everything you need to know about Scalable Capital: how it works, fees, reviews, security, advantages, limitations, and practical tips to optimize your investments.
Presentation of Scalable Capital
Scalable Capital is a German fintech founded in 2014 in Munich. Its mission: to democratize access to European financial markets through an intuitive investment platform, highly competitive fees, a wide choice of financial instruments, strong security, and optimized user experience.
Since 2014, Scalable Capital has positioned itself among active individual investors by offering online brokerage, managed portfolios (robo-advisor), programmed investment plans, ETFs, cryptocurrencies, and recently, banking services with the acquisition of a full banking license.
A One-Stop Platform
The platform offers:
- Access to thousands of European and international listed stocks
- A wide selection of over 2,000 ETFs covering all sectors, indices, and themes
- Simplified buying and selling of major cryptocurrencies and crypto-ETPs
- Ultra-flexible automatic investment plans
- The opportunity to invest in funds and structured products
- Since 2024, banking solutions and interest-bearing savings products
Positioning and Status
Scalable Capital is an online broker, also known as a neo-broker, operating under German regulation (BaFin), and since the end of 2024, licensed as a full-fledged bank. It is not a publicly traded company but a rapidly growing private enterprise, recently valued at approximately 1.4 billion euros during its latest funding round.
Key Figures of Scalable Capital in 2025
- Status: Private Company (Not Listed on Stock Exchange)
- Year of Establishment: 2014
- Last Known Valuation: Around €1.4 billion (Funding Round 2024)
- Number of Customers: Scalable Capital claims hundreds of thousands of customers in Germany, France, and many other European countries
- Available Assets: Access to over 10,000 stocks and ETFs, over 2,000 ETPs and cryptocurrencies, and over 2,200 international funds
- Protection of Funds: Deposit guarantee up to €100,000 per customer through the deposit guarantee fund (deposits placed with Baader Bank then soon Scalable Bank)
- Liquid Asset Compensation: Up to 2%/year (variable rate, PRIME+, valid until end of 2025), with occasional promotional offers above this rate
- International Expansion: Present in Germany, France, Spain, Austria, UK, and aims to become the leading European online brokerage firm
How Scalable Capital Works and Key Features
How to Open and Use a Scalable Capital Account?
The account opening process is fully online and takes just a few minutes, without any minimum deposit requirement. All that's needed is an ID document and a smartphone for verification. Operations can then be conducted on a computer, tablet, or via the dedicated mobile app, which has a clear and intuitive design.
After funding the account via a SEPA transfer or credit card, the investor can place stock market orders, set up investment plans, invest in cryptocurrencies, transfer securities, or manage funds independently.
An Advanced Technological Platform
Scalable Capital heavily invests in technology to provide instant market access, rapid order execution, and now integrates artificial intelligence (the Insights tool) directly into the application, allowing real-time personalized analysis.
Since 2025, the platform operates on the European Investor Exchange with extended hours (from 7:30 AM to 10:00 PM), while still enabling orders on other major exchanges (gettex, Xetra, Munich Stock Exchange).
Wide Range of Investment Options Available
- Over 10,000 listed stocks on major European and international markets
- An exceptional choice of around 2,000 ETFs covering equities, bonds, commodities, themes, ESG, etc.
- Over 2,200 funds and structured products accessible directly on the platform
- Investment in cryptocurrencies via ETPs or dedicated products
- Easy setup of programmed investment plans starting from low amounts, with no fees on many partner ETFs
- Since 2024, access to private equity funds (venture capital) for individuals via ELTIF funds
Banking Features and Recent Innovations
- Launch of a remunerated deposit account, where uninvested liquidity earns up to 2% per year
- Online personal loan offer from €1,000 to €100,000 at competitive rates (starting from 3.24%/year PRIME+), with no fixed term or hidden fees
- Multibank aggregation system to simplify daily financial management
- Liquidity protection (up to €100,000 per customer) by the applicable guarantee fund
- Highly flexible savings services thanks to investment plans and algorithm-driven automated management (Wealth)
Fees and Charges at Scalable Capital
- FREE Broker: €0 trading fees on 700 partner ETFs; €0.99 per order on other instruments; no inactivity fees
- Prime Broker: Unlimited trades for €2.99 per month
- Automatic investment plans without commissions on many ETFs
- No currency conversion fees or custody charges
- No hidden fees; full transparency on all pricing
In summary, the highly competitive fee structure allows both novice and regular traders to start investing calmly and optimize their costs.
Security and Regulation
- Scalable Capital is regulated by the German BaFin and since 2024 holds a full banking license issued by the European Central Bank
- Client accounts are segregated from the broker's own funds
- Cash deposits are covered up to €100,000 per holder according to European standards
- Access via two-factor authentication (2FA) and data encryption
- Controlled platform and regular audits to ensure security and compliance
Advantages of Scalable Capital
- The most comprehensive offering in Europe for stocks, ETFs, and cryptocurrencies accessible without or minimal fees
- Modern, fast, and intuitive interface
- Broad range of investment options, including private equity for individuals
- Strong security and exemplary regulation
- Competitive liquidity remuneration
- Responsive customer service, 100% online
- Automated investment plans starting from a few euros
- No minimum deposit requirement
- Regular innovations (AI, management tools, banking products...)
Limits and Points to Watch
- Platform and customer support primarily in German and English depending on the country (fewer resources in French compared to established players)
- Scalable Capital remains a privately held company; no public data on profitability, revenue growth, or precise financial results
- The valuation (€1.4 billion) is indicative and depends on private funding rounds; it does not have the value of a market capitalization
- Certain complex instruments require a good understanding of risks (ETPs, private equity...)
- The high-interest savings offer (2%) mainly concerns the PRIME+ offer and can evolve based on market conditions and European monetary policy
Performance and Growth Potential
Unable to establish a stock market history, market capitalization, or dividend history for Scalable Capital since it is not a listed stock. However, the company has experienced rapid growth in customer numbers over recent years, continuous international expansion, and valuation that places it among the most prominent fintechs on the continent.
The success of Scalable Capital largely depends on the confidence of individual and institutional investors, the rise of passive investments through ETFs, and the increased digitization of processes.
Among the factors driving momentum:
- A rapidly growing user base each year in Germany, France, Spain, Austria, UK...
- Expansion of products (from investment to online banking and personal loans)
- Deployment of generative AI and educational guidance within the app
- Partnerships with major European financial institutions
How to Invest and Fully Utilize Scalable Capital's Features?
- Open an account for free online, without any initial deposit requirement
- Select a Plan (FREE, PRIME or PRIME+) based on your transaction volume and goals
- Fund your account by bank transfer or card, funds available within 24-48 hours
- Select your investment products (stocks, ETFs, cryptos, funds...) using the advanced search engine
- Place your first stock orders, manually or via automated periodic investment plans
- Benefit from bank account aggregation and new interest-bearing account solutions to optimize liquidity management
- Use the AI Insights integrated for real-time analysis and monitoring of your investments
FAQ about Scalable Capital
Is Scalable Capital a publicly traded company?
No, Scalable Capital is a private company. Therefore, there is no official share price, market capitalization, or dividends paid out. Its valuation is estimated during fundraising rounds with private investors.
Are the funds secure?
Yes, each client benefits from a guarantee on deposits up to €100,000, thanks to the banking guarantee fund (in accordance with European regulations), and strict separation between client funds and those of the company.
Who is the target audience?
Scalable Capital targets both beginners (simple interface and automated plans, no minimum opening balance), intermediate investors, and advanced users seeking advanced features or unlimited access to international markets.
What hidden fees are there?
No hidden fees. All costs are presented clearly from sign-up, and each order is summarized before confirmation. The FREE/PRIME/PRIME+ offers cater to all needs, from beginners to ultra-active investors.
Can I transfer my old portfolio or PEA to Scalable Capital?
Scalable Capital offers portfolio transfer services but does not offer the PEA, which is reserved for French brokers regulated by the AMF.
How does cash remuneration work?
On the PRIME+ offer, up to 2% interest per year is paid on unused funds placed in the account, according to the prevailing rate policy. This remuneration can increase or decrease based on the European Central Bank's key rates.
Does Scalable Capital offer loans?
Since 2024, Scalable Capital itself has been offering flexible personal loans starting at €1,000 up to €100,000, under very favorable terms, directly online, without a fixed term and with a variable interest rate starting at 3.24%/year (PRIME+).
Practical tips for effective investing with Scalable Capital
- Start small: take advantage of the lack of deposit minimum to get familiar with the platform and distribute your investments
- Think about diversification: don't put all your eggs in one basket; take advantage of the huge selection of thematic, regional, sectoral, and cryptocurrency ETFs to spread risk
- Plan your investments by setting up programmed investment plans, easily accessible from just a few euros per month
- Keep some in cash to benefit from the attractive remuneration on PRIME+ accounts
- Use educational features and the simulator to refine your strategies without risk
- Stay alert to innovations (new AI functionalities, evolutions of the banking offer, expansion of accessible products)
Summary: Final Review of Scalable Capital in 2025
Scalable Capital stands out as one of the major players in online brokerage and asset management in Europe, with notable advancements in technological integration, breadth of products, competitive pricing, and security. An ideal platform for investing in global markets, benefiting from the rise of ETFs, diversifying in cryptocurrencies, automating investment plans, and managing cash effectively.
The absence of stock market listing means that no traditional stock data (stock price, market cap, dividend, beta) is relevant regarding the company itself. However, for individual investors, Scalable Capital provides everything needed to manage their investments efficiently and simply in 2025.