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.... See more
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Overall satisfying experience and easy to use. Only two things that would help improve further: 1. Joint Accounts- I really wish Scalable Capital would hurry up and implement this. Maintaining two... See more
Company replied
Interface is reall easy and the costs are low. The tax statement helps a lot during tax claim process. The black background looks amazing and the prime costs is really good value for setting as many a... See more
Company replied
Scalable is very easy and transparent to use. The app is intuitive, and the overall experience has been smooth. The only downside is that I used my friend’s referral link when signing up, but in the... See more
Company details
Written by the company
Scalable Capital is a leading bank that empowers people in Europe to shape their own finances. Scalable Capital makes it easy and affordable for clients to invest professionally in stocks, ETFs, cryptocurrencies, and derivatives and set up savings plans. Attractive interest, loans, and private equity complement the range of products and services. With the European Investor Exchange, Scalable Capital offers an exchange specifically for retail investors. More than one million clients already have a total of more than €40 billion on the platform. Founded in 2014, Scalable Capital now employs over 700 people across Munich, Berlin, Vienna, Milan, and London. Together with the founding and management team led by Erik Podzuweit and Florian Prucker, Scalable Capital is building the next generation of financial services. Further information at: www.scalable.capital.
About Scalable Capital
Written by the company
- Personalised & Diversified
- We provide personalised, globally-diversified ETF-portfolios designed to create long-term wealth.
- Cost-Efficient.
- To do this, we select the best and most cost-efficient Exchange Traded Funds (ETFs).
- Your Risk Under Control.
- We monitor and manage your portfolio continuously with our proprietary risk management technology.
Contact info
München & Berlin & London, Germany
- service@scalable.capital
- scalable.capital
4.0
Great
6K reviews
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Poor and confusing UI
Poor and confusing UI. Wanted to withdraw funds to my bank account. Accidentally deposited, as was confused. Now just got told I have to wait 8 weeks, before I can withdraw from Scalable. Had to go back to my checking account and annulate the transaction.
April 2, 2025
Unprompted review
Reply from Scalable Capital
Hello,
thank you for your feedback. We are sorry if there has been any confusion here. We are always working to further improve our product and whenever possible we refer to the feedback from our customers when developing it further. You are also welcome to send us more detailed feedback on scalable.capital/kontakt or message us on one of our social platforms.
Kind regards,
Eva from Scalable Capital
Frustratingly Slow Fund Availability at Scalable Capital
I had to buy stocks three days ago when the market was significantly down, but I'm still waiting for the €2,000 I transferred to become available in my Scalable Capital account. It feels like I've been waiting ages to use that money. The app itself is fine and has all the information I need, but what's the point if you can't use "Sofort" transfers?
April 8, 2025
Unprompted review
Reply from Scalable Capital
Hello Waheed,
thank you very much for your feedback. We are sorry if you are experiencing any problems. In order to be able to provide you with better assistance, please contact our customer service directly with a description of the error and screenshots. You can reach us at scalable.capital/kontakt.
Kind regards,
Eva from Scalable Capital
They don't pay interest at Baader Bank!
When I learned that Scalable will be paying the ECB interest rates I transferred €50k at the end of January.
About the time Scalable started to create a new account and a new portfolio for the new Scalable Bank. The current account and portfolio at Baader Bank will be retained until an automated transfer in Q4 for which the users were asked to wait.
I only accidentally found out, THAT THEY PAY INTEREST ONLY ON THE SCALABLE BANK ACCOUNT.
No interest for basic users for funds at Baader Bank.
This scam cost me more than €220 in interest.
I'm furious!
March 27, 2025
Unprompted review
Reply from Scalable Capital
Hello,
thank you for your feedback. You receive interest on both custody accounts: For broker balances at Baader Bank, the interest rate applies in accordance with the special conditions in Baader Bank's List of Prices and Services: de.scalable.capital/en/baader-documents. Please note that interest at Baader Bank is and has always been exclusively available for the PRIME+ account. All information can be found here: de.scalable.capital/en/interest. On the new Scalable custody account, we pass on interest from partner banks and money market funds on balances of up to €500,000 in PRIME+ and €50,000 in FREE. The current interest rates can be viewed here: de.scalable.capital/en/interest-adjustment.
Kind regards,
Eva from Scalable Capital
Getting a lot of SPAM mails and text…
Getting a lot of SPAM mails and text messages (SMS) form scalable. very concerning. Sometimes even with mails did not registered. And in context of other reviews here regarding cs only using chat bots, this even seems to be the case here where they try to answer the bad reviews, very concering.
March 15, 2025
Unprompted review
Reply from Scalable Capital
Hello, thank you for your comprehensive feedback. We are sorry to hear that you had a negative experience with our services. We can assure you that we are no chatbots and that we take your comments seriously and will pass them on to the relevant teams. We will be happy to forward the matter internally. Please contact us at community@scalable.capital. Kind regards, Lasse from Scalable Capital
Price-performance offer par excellence but tax residency is tightly-coupled to account
Very low costs; wide choice of investments; convenient and easy to use app. One big negative is that it's impossible to use across the internal borders of the EU if you change residency. You have to close your account. Disappointing. You also cannot link multiple devices to your account.
March 14, 2025
Unprompted review
Reply from Scalable Capital
Hello, thank you for the review. We are pleased that you like the app in general. We will gladly pass on your comments and will do our best to take them into account in further development. Kind regards, Lasse from Scalable Capital
user friendly and trusty
I found scalable capital very user friendly and trusty. I suggest it.
March 7, 2025
Unprompted review
Reply from Scalable Capital
Hell Lorenzo,
thank you very much for your review. We are pleased that you are happy with our app!
Kind regards,
Tim from Scalable Capital
Avoid scalable capital, Extreme Disappointment
My experience with Scalable Capital’s securities transfer process has been nothing short of a disaster. Over a month ago, I requested a transfer to another broker, and despite their initial confirmation that the process was underway, I later found out that they hadn’t even started it. Instead of being transparent from the beginning, they wasted my time with misleading updates.
Apparently, they have a huge backlog, but rather than informing customers upfront, they let people wait indefinitely with no real progress. This has completely disrupted my ability to manage my portfolio. If you ever plan on transferring your securities in the future, be prepared for frustration, delays, and a complete lack of accountability.
Scalable Capital might work fine until you need to move your assets elsewhere—then you’ll see how inefficient and unresponsive they truly are. I regret ever using their service and wouldn’t recommend them to anyone who values their time and money.
Update after more than a month on April 2025:
Still ghosted by the scalable capital and Baader Bank. Not sure what should I do. Extreme disappointment and regretting the decision to had this as my broker.
February 25, 2025
Unprompted review
Reply from Scalable Capital
Hello Zafar,
thank you very much for your review. We are sorry if you are not satisfied with the process. Due to an increased volume, there may unfortunately be delays in processing inquiries at the moment. We therefore ask you for a little more patience and will gladly take your feedback into account.
Kind regards,
Eva from Scalable Capital
Interaction review
CS service is barely professional! And the company gives false promises
February 7, 2025
Unprompted review
Reply from Scalable Capital
Hello Timi,
thank you for the review. We are sorry if you have had an unsatisfactory experience. If you still have an unresolved issue, please send us an email to community@scalable.capital so that we can pass it on internally.
Kind regards,
Eva from Scalable Capital
Assistenza al top personale garbato…
Assistenza al top personale garbato gentile e preparato non potevo trovare di meglio 5 stelle meritate
January 30, 2025
Unprompted review
Very nice experience
Very nice experience, but there's still plenty of room for improvement, still would recommend tho as it's the best german neo broker in my opinion.
January 23, 2025
Unprompted review
Reply from Scalable Capital
Hello Chris,
we are pleased that you like our offer in general. We are very interested in your suggestions for further improvement and would like to know more details. Please feel free to contact us via our customer service or via our social platforms.
Kind regards,
Eva from Scalable Capital
no communication, no service, just chatbots
They keep deleting my reviews here. Account still not open. They keep blocking my account and nobody is communicating with me from their customer service. Imagine you cannot access your savings.
January 23, 2025
Unprompted review
Reply from Scalable Capital
Hello David,
thank you for your review. We regret that you had an unsatisfactory experience. Kindly note that it is not possible for us to delete reviews. Please contact us again at community@scalable.capital with a description of your request and we will forward it internally.
Kind regards,
Eva from Scalable Capital
It's easy to set up, but don't trust them to give me my money
It's easy to set up, easy to invest but try to take even a small portion of your investment out, and you will be hit with waiting times that are inconsistent with a broker that "600,000 clients trust". It feels like they may have taken my money and lost it, while pretending to "settle transactions". I would not be surprised if they declare bancrupcy soon since the waiting period is more consistent with a pyramid scheme than an honest broker.
January 18, 2025
Unprompted review
Reply from Scalable Capital
Hello,
thank you for your review. We are sorry if you have had an unsatisfactory experience. Proceeds from executed sales can be used directly to purchase securities. However, they are only available for payment as soon as the transactions have been booked by the custodian bank. This is due to the fact that securities transactions are only actually booked two trading days after the trade has been concluded on the stock exchange (so-called settlement). The credit balance available for withdrawals may be reduced for up to eight weeks after payments by SEPA direct debit or instant in order to avoid an overdraft on the clearing account due to possible chargebacks.
Kind regards,
Eva from Scalable Capital
It is good, but 2FA is terrible!
I've used this app for over 4 years. While it's good when it works, it frequently breaks during authentication. It's decent for casual investing, but the web and mobile versions are frustratingly different. The 2FA implementation is a nightmare—especially when switching phones—and nearly made me close my account. A serious design flaw!
- after reply from Scalable:
It feels unusual to receive a response from Scalable suggesting I contact customer support while my 2FA has been broken for over a week, preventing me from logging in. My ticket is open, and the technical team has been unable to resolve the issue. How do you expect to win someone over with support that struggles to address critical problems?
January 11, 2025
Unprompted review
Reply from Scalable Capital
Hello Danijel,
thank you for your review. We regret that we have not yet been able to fully convince you. If you have any problems or questions, you can contact our customer service team at scalable.capital/kontakt at any time. We will gladly take your feedback into account.
Kind regards,
Eva from Scalable Capital
Easy and transparent
The app is easy to use. The overviews are great and transparent. Recommendable for beginners.
January 6, 2025
Unprompted review
Reply from Scalable Capital
Hello Martina,
Thank you very much for your review. We are happy to hear that you are satisfied with our product.
Kind regards,
Tim from Scalable Capital
Very good broker
Very good broker, cheap and simple, ideal for recurring investments.
January 1, 2025
Unprompted review
Reply from Scalable Capital
Hello Johann,
thank you for leaving us this positive review. We really appreciate the feedback and are pleased that you like our product.
Kind regards,
Eva from Scalable Capital
Easy to use and price is right
Easy to use and price is right. All around very good. One star removed because they do not offer joint accounts.
December 19, 2024
Unprompted review
Reply from Scalable Capital
Hello,
Thank you for sharing your experience. We are happy that you enjoy our broker and will gladly share your feedback with our team, which is constantly working on new features and improvements.
Kind regards,
Tim from Scalable Capital
Good platform nice and clear
December 19, 2024
Unprompted review
Reply from Scalable Capital
Hello Sebastian,
Thank you for sharing your experience. We are glad you enjoy our product.
Kind regards,
Tim from Scalable Capital
Reply from Scalable Capital
Hello Rathan,
thank you very much for your review. We are pleased that you are happy with our offer and and especially with the user interface of the app!
Kind regards,
Eva from Scalable Capital
Reply from Scalable Capital
Hello Henry,
thank you very much for this praise. We will be happy to pass the feedback on to our team, who will be happy to hear it.
Kind regards,
Eva from Scalable Capital
Trust is important
I was proposing the broker to my girlfriend, usinga promotion, in which she should receive a discount and I should receive 50 euro, they were trying to avoid the offer and I never received my 50 euro
November 28, 2024
Unprompted review
Reply from Scalable Capital
Hello Christian,
thank you for your feedback. We are sorry if you are experiencing any problems. Please contact our customer service with a detailed issue description so that we can look into it. You can reach us at scalable.capital/kontakt.
Kind regards,
Eva from Scalable Capital
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