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Scalable Capital Review
Scalable Capital is a German investing app for stocks and ETFs, not a forex broker. It became a fully licensed bank in 2025 under BaFin and ECB supervision.
Min Deposit
€0
Spreads From
Not applicable in the usual forex sense, trading costs from €0.99 per order
Max Leverage
Not applicable, Scalable Capital does not offer leveraged forex or CFD trading
Platforms
Scalable Capital app, Scalable Capital web platform
Pros
- Full ECB banking licence since 2025, supervised directly by BaFin
- Cash deposits protected up to 100,000 euros under Germany's statutory scheme
- Free plan charges no monthly fee, only 0.99 euros per manual trade
- ETF savings plans can be set up from as little as 1 euro per month
Cons
- Not a forex or CFD broker, only stocks, ETFs, funds, and crypto are offered
- UK FCA permissions lapsed in September 2021, so UK residents cannot join
- Users reported login outages and slow withdrawal transfers in 2026
- Instant deposits up to 5,000 euros carry a 0.99 percent handling fee
Scalable Capital is a German investing app, not a forex or CFD broker. Founded in Munich in 2014 by Florian Prucker, Erik Podzuweit, Adam French, and Stefan Mittnik, it lets clients buy stocks, ETFs, funds, and crypto, plus use a robo advisor service.
In 2025 the group received a full banking licence from the European Central Bank. Scalable Capital Bank GmbH is now supervised by BaFin and the Bundesbank, with cash deposits protected up to €100,000 through Germany's statutory scheme. The Free plan has no monthly fee and charges €0.99 per manual trade. Prime+ costs €4.99 a month and removes that fee on orders of €250 or more.
The app mainly serves Germany, Austria, France, Italy, Spain, and the Netherlands. It once held UK FCA permissions but these lapsed in September 2021, so it is not available to UK residents now. In 2026 some users reported login outages and slow withdrawal transfers. A standing referral programme pays €25 for a new broker client and €50 for a wealth client.
Min. Deposit
EUR 0
Max Leverage
Not applicable, Scalable Capital does not offer leveraged forex or CFD trading
Spreads From
Not applicable in the usual forex sense, trading costs from €0.99 per order
Platforms
Regulation, fund safety, track record
Spreads, execution, leverage
Platform quality, charting, features
Analysis, webinars, learning materials
Support quality, responsiveness
Mobile app quality, features
