Scalable Capital review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Scalable Capital suits readers who want a small entry into stocks, ETFs and crypto, with a minimum deposit of €1. Cash parked overnight pays a variable rate of 2.6%, and each order costs 0.69% to 0.99%, so trading frequency decides what the account really costs you.
Key facts
- Best for
- A small opening deposit for stock, ETF and crypto dealing in a single app.
- Minimum deposit
- €1↗
- Markets
- Stocks, ETFs, Crypto↗
- Regulators
- Federal Financial Supervisory Authority (BaFin)↗
- Investor protection
- EU ICS up to EUR 20,000↗
- Interest on cash
- 2.6%↗
- Legal entity
- Scalable Capital Bank GmbH↗
- Headquarters
- Germany↗
- Founded
- 2014↗
- Support channels
- Phone, Chat, Email, Help-centre↗
- Features
- Mobile app
- Official website
- scalable.capital
Crypto exchanges
Savings
Robo-advisors
Facts checked September 26, 2026, 10 sources
Apps and profiles
- Elsewhere
- Wikidata
Pros and cons
Pros
- Entry is light on the wallet, with a minimum deposit of €1.
- Stocks, ETFs and crypto sit in the same account (stocks, etfs and crypto).
- Overnight account interest is calculated daily and paid monthly on an unlimited balance.
- Regulated in Germany by the Federal Financial Supervisory Authority (BaFin).
Cons
- Every order costs money: 0.69% to 0.99% for taker trades and 0.69% to 0.99% for maker trades.
- Cash interest is variable, with a headline rate of 2.6% that can move with policy rates.
- Protection on investments stops at EU ICS up to EUR 20,000, far short of the EU DGS up to EUR 100,000 available on cash.
Who it suits
- Readers who want stocks, ETFs and crypto in a single account.
- Readers who can start small, with a minimum deposit of €1.
- Readers who want a managed portfolio, starting at €20.
Who should look elsewhere
- bunq, with a minimum deposit of €10, fits readers who want a bank account rather than a brokerage.
- CFI, listed with a minimum deposit of $0, suits readers who want to deal without a deposit floor.
- Readers who want a provider overseen by CONDUSEF rather than a European supervisor.
Deposit protection
Scalable Capital is supervised by the Federal Financial Supervisory Authority (BaFin) in Germany. Investor protection on holdings is set at EU ICS up to EUR 20,000, and that is the ceiling to plan around. Crypto services sit under the same authority through a MiCA licence, MiCA CASP 391200Y3EUNL4LTXRP94, which puts cash, investments and digital assets inside a single supervision framework.
How Scalable Capital compares
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9.0 vs 9.0
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9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 8.8
Where Scalable Capital is available
- Available
- Everywhere except United States
- Licence in Germany
- Federal Financial Supervisory Authority (BaFin) (MiCA CASP 391200Y3EUNL4LTXRP94), checked September 26, 2026, also valid in Germany
Frequently asked questions
What does it cost to deal?+
Trading fees are 0.69% to 0.99% on taker orders and 0.69% to 0.99% on maker orders. Those rates sit across the brokerage, and crypto trades on the exchange run at the same maker and taker charges, so frequent dealing adds up quickly.
How is the money protected?+
Cash, investments and digital assets sit under different regimes. Investor protection on holdings is set at EU ICS up to EUR 20,000, while cash on the Overnight account is covered under EU DGS up to EUR 100,000. The supervisor is the Federal Financial Supervisory Authority (BaFin) in Germany.
How much do I need to open an account?+
A minimum deposit of €1 is enough to get started, so a small opening transfer will do. Managed portfolios ask for more, with a minimum investment of €20. The Overnight account carries no minimum balance.
What can I invest in?+
The listed markets are stocks, etfs and crypto, and the managed portfolios draw on etf and esg options. The range suits readers who want a short, clear list: self-directed dealing in the main asset classes, plus managed index portfolios with an ESG tilt.
What do I earn on cash left in the account?+
The Overnight account is an easy access product paying a variable rate of 2.6%. Interest is calculated daily and paid monthly, the balance is unlimited, and money can be moved in and out around the clock from the app.
Does it offer crypto as well?+
Scalable Capital runs its own crypto service rather than pointing you elsewhere. It lists 32 coins and operates as a centralised exchange (cex), with the same maker and taker charges as the share dealing side.
How do I fund the account?+
Payments in run by bank and sepa, so the account is funded from a bank account or SEPA transfer rather than a card top-up. The mobile app is the main channel for paying in and taking money out.
How do I get help?+
Help is available on phone, chat and email. Phone and chat suit quick questions about an order, while email and the help centre cover written detail on fees, interest and protection, so you can keep a record of the answer.
Is there a managed option?+
The wealth side runs managed portfolios, with etf and esg options and a management fee of 0.245% to 0.375% on top of any dealing charges. The minimum investment there is €20, higher than the brokerage entry point.
Sources
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026
Backs: Deposit protection, Headquarters, Investor protection, Legal entity, Regulators, Licences
“ae_homeMemberState=DE”
- de.scalable.capital checked September 26, 2026
Backs: Interest on cash, Features, Markets, Minimum deposit
“2,60 % Zinsen p.a. auf unbegrenztes Tagesgeld”
- de.scalable.capital/en/crypto checked September 26, 2026
Backs: Coins listed, Exchange type
“Choose from 32 cryptos via ETPs - Scalable Broker”
- de.scalable.capital/en/trading-costs checked September 26, 2026
Backs: Fiat deposit methods, Maker fee, Taker fee
“Deposits (transfer, direct debit) EUR 0 - FREE Broker”
- es.scalable.capital/en/broker-online checked September 26, 2026
Backs: Derivatives
“Implement your market perspective with over 100,000 derivatives”
- scalable.capital/en/interest-adjustment checked September 26, 2026
Backs: Headline rate
“Development Overnight savings: Effective from 1 September 2026, Overnight account 2,60% p.a.*; Overnight account 2.60% p.a.* Daily calculation, monthly payout”
- scalable.capital/en/legal-information checked September 26, 2026
Backs: Founded
“Year founded: 2014”
- scalable.capital/en/overnight-account checked September 26, 2026
Backs: Access terms, Account kind, Rate type
“Interest is calculated daily and paid out monthly ... Availability: 24/7 in real-time”
- scalable.capital/en/wealth checked September 26, 2026
Backs: Minimum investment, Portfolio types, Support channels
“Start already from €20 monthly savings amount”
- scalable.capital/en/wealth-costs checked September 26, 2026
Backs: Management fee
“Asset Management: Until €100,000 0.375% ... More than €500,000 0.245%”
Compiled from 10 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Stock trade fee, Account fee, Inactivity fee, Retail accounts that lose money.
Related by the facts
Scalable Capital
A small opening deposit for stock, ETF and crypto dealing in a single app.