Scalable Capital Reviews
BaFin-licensed neobroker with 32 cryptocurrencies, stocks, ETFs, and savings plans starting from €1.
Scalable Capital Rating
Our Opinion
Scalable Capital has made a name for itself in the DACH region primarily as a robo-advisor and ETF broker and has also offered cryptocurrency trading for some time now. With a BaFin license as an investment firm and a headquarters in Germany, the provider is considered well positioned from a regulatory standpoint. The crypto offering currently includes 32 coins traded via crypto ETPs — an approach that is appreciated by security-conscious investors.
The savings plans starting from €1 enable an especially low-threshold entry, and staking via ETPs is seen as a meaningful addition. The device-bound two-factor authentication is considered a solid security solution. For investors who primarily invest in stocks and ETFs and want to hold crypto as an allocation in the same portfolio, Scalable Capital is seen as a practical solution.
However, the crypto selection with 32 coins is considered room for improvement compared with specialized providers. Wallet transfers to personal wallets are also not possible, which is occasionally criticized by users. Scalable Capital is therefore primarily suitable for mainstream investors who are looking for a regulated German broker with a broad securities offering and want to use crypto as a supplementary component.
Pros & Cons
- BaFin license as an investment firm headquartered in Germany
- Savings plans for crypto and ETFs possible from just €1
- Staking for crypto ETPs is offered
- Device-bound 2FA is considered a solid security solution
- Broad range of stocks and ETFs in addition to crypto
- Wallet transfers to personal wallets not possible — occasionally criticized by users
- Crypto selection with 32 coins is room for improvement compared with specialized providers
- Deposit methods limited to SEPA bank transfer and SEPA direct debit — additional options are room for improvement
User Experiences
AI Analysis292 analyzed reviewsOur AI collects and analyzes user reviews of Scalable Capital from the web and summarizes the key findings.
According to reviews, Scalable Capital presents a mixed user picture: some users appreciate the clear and intuitive app as well as everyday use that is perceived as reliable. At the same time, users report login and 2FA issues, as well as occasional delays with withdrawals and support.
According to reviews, users particularly appreciate Scalable Capital for its clear and partly intuitive app, which some also describe as easy to learn. At the same time, users also report a confusing interface and login problems. From the user perspective, usability is therefore perceived differently.
This analysis is based on 292 AI-evaluated user reviews from Google Play Store, Trustpilot. The total number of reviews on the respective platforms may be higher — the platform ratings shown (star ratings) refer to all reviews available there. The ratings shown reflect users' experiences and do not represent the site operator's own assessment. All information without guarantee. Ratings as of: September 2026; review summaries as of: March 2026. This comparison does not constitute investment advice.
Features
Feature Scope
Highlights
- Neobroker with stocks, ETFs, and crypto in one place
- BaFin-regulated with headquarters in Germany
- Crypto savings plans from €1 for regular investing
- Staking available via crypto ETPs
Tradeable Assets
- Cryptocurrencies (32 coins via ETPs)
- Stocks (domestic and international)
- ETFs and ETF savings plans
Trading Options
- Direct buying and selling via app and web
- Savings plans for crypto, stocks, and ETFs
About Scalable Capital
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