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German/EU digital investment and banking platform offering a low-cost neobroker, ETF savings plans from €1, crypto via ETPs, overnight cash, credit, and automated Scalable Wealth ETF portfolio management.
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87
/100
Overall
Overall looks strong, with high-confidence evidence. Still verify country/entity terms.
Headline score from research fields, regulation evidence, and scoring payload.
Long-term ETF savings-plan investors · German/EU residents seeking a low-cost neobroker · Investors wanting app/web access to stocks, ETFs, funds, bo…
Entity, country restrictions, and high-risk fee fields should be checked carefully.
Before you decide
Negative Balance Protection
No CFD/forex margin negative-balance-protection claim found; Scalable is primarily execution-only securities/ETP broker plus credit product. Credit-financed investments carry repayment and margin-call risks.
Withdrawal Fee
No explicit withdrawal-fee line was found in checked official fee and FAQ pages; standard/instant withdrawal methods and timing are disclosed but pricing was not isolated.
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Important disclosure
Availability, fees, investor protection, and regulation can vary by country and legal entity. Verify the broker and regulator details directly before opening an account.
87
/100
Overall score
Overall score looks strong, with high-confidence evidence. Still verify country/entity terms.
Trust looks strong, with high-confidence evidence. Still verify country/entity terms.
Withdrawal is usable, but check the supporting evidence and caveats.
Availability
Availability can vary by legal entity, account type, and local regulation. Treat this as a shortlist signal and verify details with the broker before opening an account.
Service is aimed at residents in Germany, Austria, Italy, Spain, metropolitan France and the Netherlands; applicants must not be subject to US taxation / US person rules.
SourceEvidence
Supervised by BaFin and Deutsche Bundesbank; ECB authorised deposit and lending business.
SourceCommercial register HRB 217778. BaFin permission is disclosed, but no numeric BaFin register/license number was found in checked official sources. LEI 391200Y3EUNL4LTXRP94 found via Bloomberg LEI record.
SourceScalable Capital Bank GmbH is a German credit institution permitted by BaFin to provide banking and investment services and supervised by BaFin and Deutsche Bundesbank.
SourceNo CFD/forex margin negative-balance-protection claim found; Scalable is primarily execution-only securities/ETP broker plus credit product. Credit-financed investments carry repayment and margin-call risks.
SourceCash protection depends on allocation: statutory deposit guarantee up to €100,000 per bank/client, PRIME+ up to 5 x €100,000 across banks, or UCITS standards for qualifying money market funds; investments can lose value.
SourceNo broker minimum deposit to open; reference-account verification can be done with €1. Broker and ETF/stock/crypto/fund savings plans start from €1; Overnight has no minimum deposit; Wealth starts from €20 monthly savings amount.
SourceCrypto ETP spread surcharge: 0.99% FREE, 0.69% PRIME+. Other product costs, spreads, crypto fees and/or inducements may apply.
SourceFREE: €0.99 per trade on EIX/gettex except PRIME ETFs from €250; PRIME+: €0 per eligible trade from €250 and €0.99 below €250; all savings plan executions €0; Xetra €3.99 plus venue fee.
SourceService is aimed at residents in Germany, Austria, Italy, Spain, metropolitan France and the Netherlands; applicants must not be subject to US taxation / US person rules.
SourceStocks, ETFs, funds, derivatives, bonds/fixed income, crypto ETPs, commodity/precious-metal/foreign-exchange ETPs and private equity via ELTIFs.
SourceScalable Broker can be used in app and on the web; registration via iOS or Android mobile app is possible.
SourceFREE Broker, PRIME+ Broker, Scalable Wealth, Scalable Overnight account, Scalable Kid’s account.
SourceVS next
These brokers share similar type or asset-class signals. Open the VS page to compare regulation, cost, platforms, withdrawals, and caveats side by side.
Overall 91 · Trust 100
No retail CFD leverage schedule found. Scalable offers a secured credit product up to €250,000, variable borrowing rate charged quarterly, not a margin/CFD leverage offering.
SourceTransfer/direct debit deposits €0; Instant deposits cost 0.99% in FREE or 0.69% in PRIME+, with every additional euro above €5,000 free.
SourceNo explicit withdrawal-fee line was found in checked official fee and FAQ pages; standard/instant withdrawal methods and timing are disclosed but pricing was not isolated.
SourceNo inactivity fee was found in checked official fee pages; fee page says FREE has no fixed payment and custody fees are €0, but does not explicitly state inactivity fee.
SourceDeposit methods include standard SEPA transfer, SEPA instant/Instant Payments, SEPA direct debit and internal transfers.
Withdrawals to verified reference account by standard withdrawal or SEPA instant withdrawal.
Source
Overall 91 · Trust 100
Overall 91 · Trust 100