Scalable Capital review 2026

Scalable Capital holds the securities account without a basic fee on all pricing plans. This applies both to the free entry-level plan and to the paid subscription variants, where the fee is charged solely for order benefits and additional functions, not for the custody account itself. There is no minimum deposit, minimum turnover or condition such as a certain number of trades per quarter. The settlement account is held at Scalable Capital Bank GmbH and is part of opening the custody account. An external current account at a third bank is neither a prerequisite for opening the account nor for using the custody account; deposits and withdrawals are made by transfer from any reference account. This removes any link to a paid account plan entirely. Scoring (20/20): The custody account fee is unconditionally free, which gives the full 15 points. Since no current account is needed, the full 5 points of the second criterion are added.

Scalable Capital executes ETF savings plans without an execution fee on all pricing plans. This covers the entire savings plan universe and not just a selection of promotional ETFs, so even a savings plan of 400 euros remains completely free. No separate third-party costs or execution flat fees are charged. For one-off investments, the plans differ. On the free entry-level plan, an order fee of 0.99 euros applies per order, regardless of order volume; an order of 500 euros therefore costs 0.99 euros. On the subscription plans, this fee is waived above a minimum order volume, but that is not decisive for our rating because we base it on the plan accessible without an additional subscription. Besides the main trading venue gettex, trading via Xetra is possible, with a different, volume-dependent fee structure. Scoring (23/25): The free savings plan earns the full 12 points. The one-off investment of 500 euros, at 0.99 euros, falls in the band up to 1 euro and therefore gets 8 of 10 points. The Xetra connection earns the full 3 points.

Scalable Capital states a savings-plan-eligible ETF universe of more than 2,700 ETFs. Unlike providers with a promotional list and a standard list, all of these ETF savings plans can be run without an execution fee; there is no distinction between paid and free savings plans. The number of free savings plans therefore equals the total. The minimum savings amount is 1 euro per execution. Execution intervals range from weekly to quarterly, and adjustments and pauses are possible at any time without a fee. Besides ETFs, shares and crypto ETPs are also eligible for savings plans, but this is not given additional credit in the rating of this chapter. Scoring (20/20): With more than 2,700 ETF savings plans, the top band of 2,000 is exceeded both for the total number (8 points) and for free savings plans (7 points). The minimum savings amount of 1 euro meets the benchmark and earns the full 5 points.

According to Scalable Capital, more than 2,700 ETFs and more than 8,000 shares from the main international trading venues can be traded. Both figures are therefore well above the thresholds of the methodology. Trading runs mainly via gettex, supplemented by Xetra for investors who prefer the reference market. Beyond shares and ETFs, the offering includes crypto ETPs on the most important coins, derivatives such as certificates and warrants, and bonds. There is no direct trading of cryptocurrencies via a dedicated wallet, but what matters for the rating is the tradability of the asset class, and that is provided through the ETPs. Scoring (15/15): More than 2,700 ETFs (6 points) and more than 8,000 shares (6 points) each reach the top band. Since crypto, derivatives and bonds are all tradable, the full 3 points are added.

In its interest overview, Scalable Capital shows the broker balance and the settlement accounts at 0.00 per cent p.a. The frequently advertised interest rates refer to the separate instant-access savings product, which requires its own account and is not identical to the settlement account of the custody account. There is therefore no interest on uninvested money in the settlement account. Scalable Capital does not advertise a general new-customer bonus in the form of a cash reward. There are time-limited promotions and special terms for certain groups, but no permanently available reward that we could reliably back with an amount. In such cases, we award no points rather than estimating. Scoring (0/8): The settlement account earns 0.00 per cent interest and therefore remains below the lowest band of 1 per cent, which gives 0 of 5 points. A permanent, quantifiable new-customer bonus cannot be verified, hence 0 of 3 points.

The Scalable Capital app is available for iOS and Android. The rating is 4.6 stars in the App Store and 4.3 stars in the Google Play Store. Since the methodology requires at least 4.5 stars on both platforms for full points, this criterion is only partly met. Functionally, the app covers the full scope of the web interface, including savings plan management and order placement. We could not clearly verify whether real-time prices are available free of charge to all users on Scalable Capital's pages. In its publicly accessible price and service information, the provider makes no clear statement confirming free real-time data regardless of pricing plan. In line with the methodology, we treat this as not met rather than assuming it in the provider's favour. Scoring (3/8): The app is available on both platforms but is below 4.5 stars in the Play Store, which gives 3 of 5 points. Free real-time prices cannot be verified, hence 0 of 3 points.

Scalable Capital offers customer support via a help centre, a contact form, a chat and the address service@scalable.capital. Availability is stated as Monday to Friday from 8am to 6pm. A support hotline through which existing customers can clarify custody account questions by telephone is not shown on the service pages. The telephone number given in the legal notice (Impressum) is the company number required by law and is not promoted by the provider as a customer service phone. We therefore do not count it as telephone support within the meaning of the methodology. Deposits in the settlement account are covered by statutory deposit protection (Einlagensicherung), and the securities themselves are in any case protected against insolvency as special assets (Sondervermögen). Scoring (0/4): A stated telephone support line for customer enquiries cannot be verified, hence 0 of 4 points.