Scalable Capital

Scalable Capital is a leading digital investment platform in Europe, offering both a self-directed neo-broker and a robo-advisor service. The broker allows users to trade stocks, ETFs, funds, and crypto. It is famous for its "PRIME" subscription model, where a flat monthly fee covers unlimited trading commissions.

The platform allows users to set up automated savings plans for ETFs and stocks starting from just €1. Scalable Capital is a regulated financial services institution in Germany, ensuring high security standards. It is a legitimate wealth management platform that simplifies investing for the modern European consumer.

Frequently Asked Questions

1. What is the PRIME broker?

PRIME is a subscription tier costing €2.99 per month. It allows you to make unlimited trades on stocks and ETFs without paying any order commissions (for orders over €250). It is ideal for active investors who want to avoid per-trade fees.

2. Can I invest automatically?

Yes, Scalable Capital offers "Savings Plans" which allow you to invest automatically into ETFs or stocks on a monthly basis. These savings plans are generally free of commission, even for users on the free broker tier.

3. Do they pay interest?

Yes, PRIME+ clients earn interest on uninvested cash in their clearing account. The interest rate is competitive (often around 2.6% to 4% p.a. depending on ECB rates) up to a balance of €100,000.

4. Is Scalable Capital safe?

Yes, Scalable Capital is regulated by BaFin (Germany's financial authority). Client assets are held by a custodian bank (Baader Bank), and cash deposits are protected by the statutory deposit guarantee scheme up to €100,000.

5. Can I trade crypto?

Yes, Scalable Capital offers trading on major cryptocurrencies via ETPs (Exchange Traded Products) on regulated exchanges. This allows you to invest in crypto directly from your brokerage account without needing a separate wallet.