Scalable Capital review

Updated September 28, 2026 · BrokerCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Scalable Capital suits investors who want to start small and later hand a pot of money to a managed portfolio. The self-directed account takes a minimum deposit of €1, while the managed plan starts from €20 with fees of 0.245% to 0.375% a year.

Key facts

Best for
Starting small in the app and moving to a managed ETF plan later.
Minimum deposit
€1 (Source, checked September 26, 2026)
Markets
Stocks, ETFs, Crypto (Source, checked September 26, 2026)
Regulators
Federal Financial Supervisory Authority (BaFin) (Source, checked September 26, 2026)
Investor protection
EU ICS up to EUR 20,000 (Source, checked September 26, 2026)
Interest on cash
2.6% (Source, checked September 26, 2026)
Legal entity
Scalable Capital Bank GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2014 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Email, Help-centre (Source, checked September 26, 2026)
Features
Mobile app
Official website
scalable.capital

Robo-advisors

Management fee
0.245% to 0.375% (Source, checked September 26, 2026)
Minimum investment
€20 (Source, checked September 26, 2026)
Regulators
Federal Financial Supervisory Authority (BaFin) (Source, checked September 26, 2026)
Investor protection
EU ICS up to EUR 20,000 (Source, checked September 26, 2026)
Portfolio types
ETF, ESG (Source, checked September 26, 2026)
Legal entity
Scalable Capital Bank GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2014 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
Wikidata

Pros and cons

Pros

  • A low entry point of €1 on the self-directed account
  • Managed portfolios start from €20 with fees of 0.245% to 0.375%
  • Regulated by the Federal Financial Supervisory Authority (BaFin) and deposits sit under EU ICS up to EUR 20,000
  • You can hold stocks, ETFs and crypto in the same app

Cons

  • Managed fees of 0.245% to 0.375% a year sit above the cheapest managed rivals
  • Support runs on phone, chat and email only, with no branch or in-person service
  • Managed portfolios are limited to etf and esg options, so there is no custom mandate
Scalable Capital

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Scored 9.0 / 10 by BrokerCue.

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Who it suits

  • New investors who want to build a portfolio in a mobile app from a small first deposit
  • Savers with a lump sum who want a ready made ETF or ESG portfolio
  • Investors who care more about a named regulator and deposit protection than the lowest management fee

Who should look elsewhere

  • You want a wider choice of instruments, as stocks, etfs and crypto is a single market cluster rather than a full exchange list
  • You need advice built around you, because managed portfolios cover only etf and esg options
  • You are comparing the very lowest managed fee, since 0.245% to 0.375% is not the cheapest on the market

How your money is protected

The firm is supervised by Federal Financial Supervisory Authority (BaFin). Deposits sit under the EU investor protection scheme, EU ICS up to EUR 20,000. Crypto activity runs under a separate authorisation, MiCA CASP 391200Y3EUNL4LTXRP94. For a reader weighing safety first, those three answers cover the ground: a named supervisor, a stated compensation level and a licence reference. That is the short list to check before signing up. Both details are worth keeping.

The company behind it

The legal entity is Scalable Capital Bank GmbH, headquartered in Germany and trading since 2014. The same company carries the crypto authorisation, MiCA CASP 391200Y3EUNL4LTXRP94, so one firm sits behind the app and the crypto side. Support comes through phone, chat and email, which covers the routes most people reach for first without any branch to visit. So the picture is simple: a single company behind both sides, and support reachable without visiting anyone.

How Scalable Capital compares

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 is the minimum deposit to start investing?+

The self-directed account takes a minimum deposit of €1, so you can open and fund it from a small amount. That entry point is well below the typical requirement, which is one of the reasons people try the app first. You can add to it as your savings grow.

How much does the managed portfolio cost?+

Management fees run at 0.245% to 0.375% a year on the managed side, charged on the portfolio rather than per trade. That sits above the cheapest managed plans elsewhere, so it pays to compare before committing a large lump sum. Smaller pots feel the percentage more.

How much do you need to start a managed plan?+

The managed plan starts from €20, which is a much higher entry point than the self-directed account. The idea is that the fee buys you a ready made portfolio instead of your own selection. Managed portfolios cover etf and esg options.

Is my money protected and who regulates the firm?+

The Federal Financial Supervisory Authority (BaFin) is the named regulator, and deposits fall under the EU investor protection scheme, EU ICS up to EUR 20,000. The crypto side is covered by a separate MiCA licence, MiCA CASP 391200Y3EUNL4LTXRP94. A named regulator and a stated compensation level make the safety question easier to answer.

What can I actually buy in the app?+

The app covers stocks, ETFs and crypto, all from one place, and the mobile app is the main way in. There is no separate desktop platform in the same sense that some rival firms offer, so the app is the centre of the experience. That suits people who check and trade on a phone.

Who runs the company behind the app?+

The legal entity is Scalable Capital Bank GmbH, headquartered in Germany and trading since 2014. The same company holds the crypto authorisation, MiCA CASP 391200Y3EUNL4LTXRP94. Knowing the entity and its regulator is useful if you ever need to raise a complaint.

What support can I get?+

Support runs on phone, chat and email, which covers the routes most people need. There is no branch network, so a question about a large managed portfolio is handled by phone, chat, email or the help centre rather than face to face. Keep your questions in writing if a fee is involved.

Sources

Compiled from 5 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.

Scalable Capital

Scalable Capital

Starting small in the app and moving to a managed ETF plan later.

9.0/10See alternatives

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