Scalable Capital Reviews 

An effective broker app for ETFs with enough native instruments that yield decent returns. It supports monthly savings plans. On the downside, customer support is slow, and the app UX is not ideal. The recent migration away from Baader Bank AG was a confusing process, despite sufficient communication from Scalable.

Works as advertised, I started my investing journey with Scalable and its been good.

I waited 20 minutes to speak with support. I need a document called the “Eigenkapitalnachweis,” but the one provided by Scalable does not include the account or depot number. I urgently need this document, yet I’m forced to wait a long time only for the call to disconnect. The support experience is very poor—I’m considering switching to another broker if they don’t improve their service and overall user experience.

Very easy to use and a lot of investment possibilities

Application easy and intuitive to use. Payments quick and money transfer from one account to another really easy and fast.
Help section well made

AI with updated information would be even more powerful if it could also analyze data and offer advanced features.

Smooth experience, especially responsive customer service.

Great website for simple investing, especially ETFs. Everything is simple and intuitive enough that one can start immediately and feeling comfortable. Both the website and the app seem quite secure. I've been using Scalable for more than 6 months now and I'll keep doing so.
One tremendously useful feature would be if I could visualize the time trend of an entire portfolio as a chart, the same way I can do for single ETFs - please introduce that!

The daily, monthly, yearly charts are so simple. I need some basic technical analysis stuff on them. Even for RSA or moving average I need to switch to other apps.

My suggestion is to add a listing feature to watchlist. So that user can bundle different groups of items and see them separetly for instance Mining Stocks , AI stocks , ETFs and sorting between the created lists and also merging all of them on wish.

Perfect for ETFs and saving plans, not so great for trading or moving money around. Whenever you do a sale, your money is locked for 2 days. The new 2.5% depot account is nice, although one has to actively transfer money to and from it. Bank transfer can also take from an hour to a couple of days.

EDIT (after Scalable Capital's response): I am grateful for Scalabe Capital taking the time to react to my review.
Regarding the usage of the proceeds of sales, it is true that most of it can be reused right away, but there is a part locked for tax purposes. I could also withdraw most of the cash after a few days, but again, there are about 100€ which have been locked for more than a month now and I can only use to purchase equity.
Nevertheless, for long term holdings and controlled withdrawal, this broker has very nice features. If you need something with more fast paced flexibility, there are others with a better offering. Each tool has its purpose.

I’ve been using Scalable Capital and initially had a very good experience. The app is easy to use, and deposits and withdrawals are smooth.

However, since around December 2025, stability has dropped significantly. The app often fails to open, and even when it does, it sometimes incorrectly shows the market as closed, preventing trades. There’s also no option to place orders for execution when the market opens.

At the same time, there’s a strong push toward the premium subscription, but the performance issues remain.

When it works, trading is simple and efficient—but the frequent outages and reliability issues make it hard to trust the platform. I’m now considering switching to a more stable alternative.

I use Scalable Capital for myself and was mostly satisfied with it. So I decided to open kinderdepots for my children as well. Our case was slightly special and needed some insights from the legal department. Scalable support initially said they will forward the case, but then suddenly refused. We ended up going to another bank.

Interface is very user friendly. Costs are loe and all transparent. Tagesgeld and Credit options are very competitive therefore can cater all requirements within one depot.

Easy investing. Great UI. Works.

best saving rates on the market 2.5%. large choice of investment products

For Buy and Hold fantastic. Margin Loan is a good product and really usable for short liquidity boosts.

It used to be super simple for us to have a saving plan that's fetching money from the clearing account. While the money is waiting there we were getting daily interests. Now, you come up with amazing genius idea to split daily interest account (Tagesgeld) from clearing account. We have to move the money from Tagesgeld to Broker account in advance (usually 3-4 days before the saving plan schedule), I think this is not a good experience since you made things more difficult for some reasons I am sure you have.
For the sake of feedback: your saving plan schedule is ancient. Why are you blocking money for 3-4 days? I would understand this from Baader bank days, but why now? Therefore, you are not able to provide weekly saving plan capability I guess?
Although I really like your UI in general, your recent changes with upper left corner to find my products etc is making the app really difficult to navigate.
My top feature request would be a Scalable Capital card that we can use to pay like a debit card.
Thank you all for accepting feedbacks.

No problem to report until now - I've been a customer for a few years. Scalable has regularly expanded and improved its offer, which has resulted in a modern and - so far - reliable FinTech product. On two occasions I needed help from the Customer Support, which responded via Email within a reasonable time frame and fulfilled my requests. The pricing structure is definitely competitive, in my view. I will continue to use it and recommend others use it. An incredibly welcome product in Germany's stagnating and backward financial culture. Weiter so!

Investment simplified. Everything important is clarified. Taxes are done on your behalf. UI is intuitive. Everything is transparent. Fees are fair. Service is good so far.