Scalable Capital Reviews 5,433

TrustScore 4 out of 5

3.9

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Review summary

Based on reviews, created with AI

Reviewers had a great experience with this company. Customers appreciate the user experience, particularly the app's design, ease of use, and automated features that simplify investing. Many consumers find the app to be better than other investment apps, highlighting its clear structure and comprehensive overview. People also value the availability of the interface in English and the convenience of online forms for transferring stocks. However, some consumers have expressed mixed feelings regarding certain aspects of the service, website, and pricing. Some users have reported issues with the app, such as difficulties with two-factor authentication, confusing UI, and delays in processing forms. A few reviewers have also mentioned problems with stop-loss orders not being executed as expected and incorrect calculations of average buy-in prices.

Based on these reviews

Rated 4 out of 5 stars

I've been using Scalable Capitol for about two years now and really like their app and trading options. Can definitely recommend. But since they recently became their own bank they do not offer a Fin... See more

Company replied

Rated 4 out of 5 stars

The app allows me to invest passively. Additionally the recent addition of Scalable bank is also quite useful for the cash sitting idle in the account to get interest. One thing which could be impr... See more

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Rated 4 out of 5 stars

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 c... See more

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Rated 4 out of 5 stars

I really like the app, but here are two things I would suggest to improve: 1. the black layout is not great. Maybe consider a more eye-friendly color. 2. Seeing my portfolio gains only in EUR is not... See more

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Rated 5 out of 5 stars

So far I didn’t have issues with scalable capital, so there’s nothing to complain about. And it looks like they are improving all the time. The app is actually really nice and easy to use. Big adv... See more

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Rated 5 out of 5 stars

- Having used multiple brokers over that last years, I must say that Scalabe has set a benchmark for the other new brokers to beat (at least in DE). - Easy to use, great subscription model and S... See more

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Rated 5 out of 5 stars

I’ve been using the Scalable Capital mobile app for over a year and I’m really satisfied. The app is very straightforward, with lots of automated features that make investing simple. Handling is e... See more

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Rated 5 out of 5 stars

This is my first investment app in Germany. Till now the experience is very good. Quite easy to use. Very transparent. However I would like to have 2 features. An option to show top 20 stocks which ar... See more

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Rated 5 out of 5 stars

The app is quite good and simple so the user don't face any difficulties to explore as compare to other app in the market. In addition, I want to have a option in the app to disable the interest facto... See more

Company replied

Rated 5 out of 5 stars

Using it from Germany , The app is 100% better than any investment app I’ve ever used before , simple and understandable in few minutes, gives you all the options and benefits that you as an investor... See more

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Rated 5 out of 5 stars

So far it’s very good experience, the layout I like the most. To see maximum performance of any stocks it’s showing not more than 10 years history , I would suggest if we can trace the stocks hist... See more

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Rated 4 out of 5 stars

It is a good app for investing. But it definitely needs improvement in terms of services offered. They should start direct partial buying of stocks. Not all stocks are listed. Probably should start pr... See more

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Rated 2 out of 5 stars

They offer an app-first access to your portfolio. Sometimes this doesn't work. Some of your assets might not accessible or tradeable at some point, without a notification. During the transfer from one... See more

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Rated 5 out of 5 stars

Scalable Capital has the best broker and they are so sweet to work with credit is always welcome and you can also save money with with them. I am so happy with scalable capital they have changed my l... See more

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Rated 1 out of 5 stars

The dashboard view is really bad, shows no clear insights of all the investments and returns. Even when one drills down on the each individula ETF in estment its really hard to findout how much is... See more

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Rated 3 out of 5 stars

Good - The platform is fairly stable - Their communication through the app is great - It’s fairly well known & gives off a more mature vibe Bad - Transfers are excruciatingly slow - Gett... See more

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Rated 3 out of 5 stars

The broker is okay, and I didn't encounter any major concerns. However, communication is pretty bad. For example, I submitted my W-8BEN form about a month ago, and Baader Bank is still process... See more

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Rated 1 out of 5 stars

Its been so many days, I cant login anymore. Reinstalledthe app, now its asking me to setup 2 factor authentication again. But while setting up 2 factor authentication, it is not sending me OTP to my... See more

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Rated 1 out of 5 stars

I am disappointed with Scalable Capital. I tried to transfer my money from my old Baader Bank account to the new Scalable account and accidentally used the Instant Deduction feature in the app. The ap... See more

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Rated 4 out of 5 stars

2fa is great, app looks polished, some features like seeing distributions or paying out money I always need to look twice.

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Rated 1 out of 5 stars

I dont know... It seems like a scam. 1. UI is super confusing. 2. They just decided to terminate all business relations with me without any explanations. And what is more concerning - they don't... See more

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Rated 1 out of 5 stars

2 week of useless mail with support center. I`m not able to perate neither with app or laptop after migration. The answer from the support is that I have an outdated android version. Unbelievable. By... See more

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Rated 1 out of 5 stars

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... See more

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Rated 3 out of 5 stars

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 bee... See more

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Rated 3 out of 5 stars

Trust is very important when it comes to the selection of the Broker. Customer support team addressing concerns as promised is what contributes to Trust. Scalable Capital has worse customer support I... See more

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Rated 3 out of 5 stars

I’m repeatedly facing issues with my stop-loss orders. Whenever I set a stop-loss for a position, it often ends up not being executed, and I receive the same explanation from Scalable — that the sto... See more

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Rated 1 out of 5 stars

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 ne... See more

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Rated 3 out of 5 stars

Likes: 1- Clear Interface 2- Easy to use 3- Transparent transaction 4- Ease of legalities Dislikes: 1- Its difficult to know (exact time) when the transaction will happen on the dat... See more

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Rated 2 out of 5 stars

The mobile and web app are quite good, but customer support is dramatically worse nowadays. The in-person support has been replaced by AI bots that don't give enough information, just regurgitate more... See more

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Rated 1 out of 5 stars

I downloaded Scalable Capital back in 2023 and never used it. This week, they took 35 euros out of my account and said that I ordered a Prime Broker service last March. I haven't used this app for ove... See more

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Rated 1 out of 5 stars

Out of nowhere suddenly 15€ are getting taken from my bank account since 4 months. I am using scalable since 2 years. I don’t understand where this is coming from and nobody from scalable neither. So... See more

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Rated 1 out of 5 stars

I lost my phone SIM and needed customer support to change my number. I live in Munich and requested help via email or mail since I have all my documents except the SIM card. They didn't responded vi... See more

Rated 3 out of 5 stars

Nothing special about this broker: Average fees, average benefits. It doesn't offer payment cards or fast free payouts. So it's actually a bit more limited than e.g. TradeRepublic. Only differe... See more

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Rated 1 out of 5 stars

They've forced an account transfer and postponed it to the very end of the year, forcing customers to file their taxes during the holiday season. Customer service answers within 4-5 days They don'... See more

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Rated 1 out of 5 stars

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 ba... See more

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Rated 3 out of 5 stars

Although competitors offer super-fast pay-in and payout speeds, Scalable Capital is still very slow when it comes to moving money. I’d like to set up a weekly savings plan, as many other brokers provi... See more

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Rated 3 out of 5 stars

Missing functionalities: - Year to date view - Month to date view (Month and year views are only rolling) - possibility to perform Excel extract with URP, number of actions

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Rated 3 out of 5 stars

I think most of the features even basic ones like withdrawal or sending money our set up in such a way that it is very complicated! I even sent in one point in time 2000€ to earn interest through y... See more

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Rated 2 out of 5 stars

However, over the past month, I’ve had the most frustrating customer support experience I’ve ever encountered. Without any explanation, Scalable cancelled my broker account. Despite multiple emai... See more

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Rated 1 out of 5 stars

Don't ever invest with them. They opened a new portfolio for me for 20k € and tried to withdraw this amount from my bank account without my consent but luckily i didn't have this amount so the bank re... See more

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Rated 4 out of 5 stars

The app is easy to understand and almost self-explanatory. Clear (over-)view of things. The new Insights feature is great and saves time when trying to gather more information. It would be fant... See more

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Rated 4 out of 5 stars

I like the structure, but I miss a pie chart over the depot. The right weight is important and so I have always to calculate the percent of each investment in an excel (including the cash)

Company replied

Rated 3 out of 5 stars

We needed more detailed ratios, averages, details about etfs. Stocks included in an etf it's percentage. Commodities section is required. 5 year balance sheet, income statement, flowchart required.

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Rated 5 out of 5 stars

Great app and banking services. Their customer service is reliable and their communication and UX is great too. Super happy. I’ve been investing with them for 4 years.

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Rated 1 out of 5 stars

On a regular basis, I cannot login and buy stock when the dip was perfect to act fast. 5G, WLAN whatever - I had 100% reception. I left because it is just disappointing.

Company replied

Rated 1 out of 5 stars

I had a terrible experience with Scalable Capital. I requested a withdrawal, and after almost three months, the transaction is still pending! Despite multiple emails and reassurances from their s... See more

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Rated 3 out of 5 stars

Overall, the usage experience is rather good - the design is nice, you can use two-finger touch for calculation changes between two points on the graph. However, the order interface is made in an... See more


Company details

  1. Investment Service

Written by the company

Scalable Capital is a leading FinTech in Europe, bringing together people and technology-based investment. For private individuals, we offer digital wealth management and a broker with a trading flat rate. In digital wealth management, we create and manage globally diversified ETF portfolios for our clients with sustainable investment strategies when desired. The broker enables private individuals to trade shares, ETFs, Crypto ETPs, funds and derivatives themselves and to set up ETF and stock savings plans. Capital at Risk.

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

3.9

Great

TrustScore 4 out of 5

5K reviews

5-star
4-star
3-star
2-star
1-star

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Rated 3 out of 5 stars

fee is high

good to start

February 8, 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello Mehedi,
thank you for your review. We're sorry to hear that you are not fully satisfied with our offer. We will take your feedback into account.
Kind regards,
Eva from Scalable Capital

Rated 4 out of 5 stars

Scalable has several advantages over…

Scalable has several advantages over the market leader TradeRepublic - brandnew automatic re-invest of dividends and a working help desk are the highlights.

Saclable has various execution days for savings plans, the limit is the meanwhile marketwide 1€. It's a shame you´re limited to one execution day per share and the shortest execution period is one month – weekly or even on every of the execution days would be so much better for me using the cost average. And that would certainly be easy to implement - TradeRepublik has weekly at least :-), not to mention zero, smartbroker+, trading 212, lightyear...

The variety of meanwhile over 4500 differnt shares for saving plans is really becoming good and has the huge advantage, that scalable is not limited to Eix - if L+S is delisting a share in TradeRepublik you´re lost at least with your fractionals, here you still find another exchange to exit if you have to.
The many availible shares are good alternative against the big bunch of ETFs full of big-caps - I was surprized to find the maximum saving plans availible is limited to 250. Surely the limit is made to keep performance up - which is mostly good on the site. But I wished sclable would have sub-depots - to easier divide my trading and my long term positions - and to have the limit several times :-)

One more advantge of Scalable is the interst you´re getting on your current account on EZB-rate - this way you get interest on money blocked by limited share buy orders - this one offered only by TradeRepublik, others as xtb offer lower rates or can´t do it at all.

Sure, for many comfort things you expect at full banks (statistics, cards for annual meetings) you better still have an online bank as Consors or comdirect - but the basic stuff is availible here at Scalable - and becomes improved permanently it seems - it´s sad I have not find a way to invest in scalable itself :-)

February 6, 2026
Unprompted review
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Reply from Scalable Capital

Hello Marie,
thank you very much for taking the time to leave us this positive and detailed review. We really appreciate the feedback and are pleased that you like our product. We are happy to take your requests regarding our savings plan offering and sub-accounts into consideration and always strive to incorporate feedback from our customers into our further development. You can currently already sort your portfolio using portfolio groups or the watch list. Please find all the relevant information in our help center: https://help.scalable.capital/en
Kind regards,
Eva from Scalable Capital

Rated 5 out of 5 stars

So far reliable and well functioning

So far I didn’t have issues with scalable capital, so there’s nothing to complain about.
And it looks like they are improving all the time. The app is actually really nice and easy to use.
Big advantage for me is the fact that they finally got their banking license

February 2, 2026
Unprompted review
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Reply from Scalable Capital

Hello Tetiana, thank you for taking the time to leave us this positive review. We really appreciate the feedback and are pleased that you like our offer. Kind regards, Eva from Scalable Capital

Rated 4 out of 5 stars

Polished app with 2fa

2fa is great, app looks polished, some features like seeing distributions or paying out money I always need to look twice.

February 1, 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hi Kevin, thank you for your review. We are pleased that you like our product! We will gladly take your feedback into account and pass it on to our team. Kind regards, Eva from Scalable Capital

Rated 2 out of 5 stars

Initially

Initially, the digital investment issue was unclear. 𝘝𝘦𝘳𝘪𝘵𝘢𝘴–𝘳𝘦𝘥𝘳ë𝘴𝘴 offered answers and direction, and I eventually had my monies back.

October 15, 2025
Unprompted review
Rated 5 out of 5 stars

Easy to use

Easy to use. I’ve been using Scalable Capital for almost a year now. Much recommended.

January 23, 2026
Unprompted review
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Reply from Scalable Capital

Hello Aida,
thank you for sharing your experience! We hope you continue to be satisfied with our product.
Kind regards,
Lasse from Scalable Capital

Rated 3 out of 5 stars

We need more etfs. Some etf are not available. More detailed ratios needed.

We needed more detailed ratios, averages, details about etfs. Stocks included in an etf it's percentage. Commodities section is required. 5 year balance sheet, income statement, flowchart required.

January 1, 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello, thank you for your review and suggestion. Our team is constantly working on optimisations and is always happy to receive feedback that can be incorporated into the further development of the product. You are also welcome to send us specific ETF requests on scalable.capital/kontakt or via direct message on one of our social media profiles. Kind regards, Eva from Scalable Capital

Rated 4 out of 5 stars

Good fees

Good fees
App is uncrompehensible

January 22, 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello Tim,
thank you for your feedback. 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 detailed feedback and questions on scalable.capital/kontakt.
Kind regards,
Eva from Scalable Capital

Rated 5 out of 5 stars

Would be great to have a ticker about…

Would be great to have a ticker about the dividend dates of the companies

January 22, 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello,
thank you for your review and suggestion. Our team is constantly working on optimisations and is always happy to receive feedback that can be incorporated into the further development of the product.
Kind regards,
Eva from Scalable Capital

Rated 5 out of 5 stars

Great trading offer and options

User-friendly UI, nice handling and overview of assets, and great offer of trading options. No downtimes or other issues.

January 22, 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello Tony,
thank you for sharing your experience! We hope you continue to be satisfied with our product.
Kind regards,
Lasse from Scalable Capital

Rated 5 out of 5 stars

The app is quite good and simple so the…

The app is quite good and simple so the user don't face any difficulties to explore as compare to other app in the market. In addition, I want to have a option in the app to disable the interest factor. I mean, I don't want to take 2.5% interest on my amount because it is against my religious faith. The trading 212 app provide this option to disable the interest amount.

January 22, 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello Muhammad,
thank you for your feedback. We are pleased that you are satisfied with our app. We are constantly working on new features and functions to further improve the app. We will gladly consider your suggestions in the further development and evaluate a possible implementation.
Kind regards,
Lasse from Scalable Capital


Rated 4 out of 5 stars

the candle stick pattern will he…

the candle stick pattern will he helpful, 1 year, 2, year, 3, year, 5 year views are missing.

January 22, 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello,
thank you for your review and suggestion. Our team is constantly working on optimisations and is always happy to receive feedback that can be incorporated into the further development of the product.
Kind regards,
Eva from Scalable Capital

Rated 1 out of 5 stars

CANNOT REACH SUPPORT

Worst support - can't even find where to contact support or help desk. It's only AI chat

January 21, 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello,
thank you for your review. You can find all the ways to contact us at scalable.capital/kontakt. If you are having problems logging in, you can reach us directly via +49 89 380 380 67 or [email protected].
Kind regards,
Eva from Scalable Capital

Rated 4 out of 5 stars

The app allows me to invest passively

The app allows me to invest passively. Additionally the recent addition of Scalable bank is also quite useful for the cash sitting idle in the account to get interest.

One thing which could be improved is to get an overview of how much I have invested in my portfolio and how much return I have got so far.

January 22, 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello,
thank you for your review. We are happy that you are pleased with our product! In your broker, you can already choose between two performance views: total return and portfolio value. Positive returns are shown in green, negative returns in red.
Kind regards,
Eva from Scalable Capital

Rated 1 out of 5 stars

You have no customer service

You have no customer service. Why even have a number if one can’t speak to anyone. Also via email it can take weeks to get things sorted.

August 15, 2025
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello,
thank you for your feedback. We are sorry that you are not satisfied with our customer service. We are currently receiving an increased volume of inquiries, which is why processing may be slightly delayed. However, we are already working on process improvements. If you still have an unresolved issue, please send us an email to [email protected] so that we can forward the matter internally again.
Kind regards,
Eva from Scalable Capital

Rated 5 out of 5 stars

Subscription prime+ is great for…

Subscription prime+ is great for trading and the price is good

January 21, 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello Johan,
thank you very much for your review! We are pleased that you are satisfied with our offer.
Kind regards,
Eva from Scalable Capital

Rated 5 out of 5 stars

Great app for investing

This is my first investment app in Germany. Till now the experience is very good. Quite easy to use. Very transparent. However I would like to have 2 features. An option to show top 20 stocks which are going up and 20 which are going down on that day. Also live option of withdrawal with out any holding period

January 21, 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello,
thank you for your review. We are pleased that you are satisfied with our app. We are constantly working on new features and functions to further improve the app. We will gladly consider your suggestions in the further development and evaluate a possible implementation.
Kind regards,
Eva from Scalable Capital

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