Scalable Capital Reviews 

Intuitive UI, very easy to learn and use. Prime products are awesome. The only problem I have is that sometimes it hangs on the first load after the login. In those cases, I had to close the app and launch it again.

Really good and easy friendly use platform for all my investments. I really recommend Scalable to be use as the main platform.

The tax report was provided very late (one week before the tax office's deadline), and communication about it was poor (with no commitment to a specific date to provide clarity).

This caused stress about filing my taxes in time for the tax office's deadline.

In the Netherlands, taxes can be filed from March 1st until May 1st. This year's Scalable Capital tax report was provided to me on April 24th, leaving me with just one week to file my taxes.

I contacted support several times about this matter, but they were unable to provide clarity on when Scalable Capital would issue the tax report.

Last year, Scalable Capital's tax report was also provided late on April 14th. Which left me with just two weeks to file my taxes.

This appears to be a recurring problem and has seriously made me consider leaving Scalable Capital for another broker that can provide the tax report in February or March, so I have enough time to file my taxes. This, even though the general Scalable Capital experience is good.

I sincerely hope you take this feedback constructively and improve your tax report process. A third time would be too much and would force me to go elsewhere.

I have met all requirements to open an account but my application was still rejected. I suspect this is based on nationality/ citizenship. I have permanent German residence permit and been living in Germany since 6+ years. Please provide an explanation

An effective broker app for ETFs with enough native instruments that yield decent returns. It supports monthly savings plans. On the downside, customer support is slow, and the app UX is not ideal. The recent migration away from Baader Bank AG was a confusing process, despite sufficient communication from Scalable.

Works as advertised, I started my investing journey with Scalable and its been good.

I waited 20 minutes to speak with support. I need a document called the “Eigenkapitalnachweis,” but the one provided by Scalable does not include the account or depot number. I urgently need this document, yet I’m forced to wait a long time only for the call to disconnect. The support experience is very poor—I’m considering switching to another broker if they don’t improve their service and overall user experience.

Very easy to use and a lot of investment possibilities

Application easy and intuitive to use. Payments quick and money transfer from one account to another really easy and fast.
Help section well made

AI with updated information would be even more powerful if it could also analyze data and offer advanced features.

Smooth experience, especially responsive customer service.

Great website for simple investing, especially ETFs. Everything is simple and intuitive enough that one can start immediately and feeling comfortable. Both the website and the app seem quite secure. I've been using Scalable for more than 6 months now and I'll keep doing so.
One tremendously useful feature would be if I could visualize the time trend of an entire portfolio as a chart, the same way I can do for single ETFs - please introduce that!

The daily, monthly, yearly charts are so simple. I need some basic technical analysis stuff on them. Even for RSA or moving average I need to switch to other apps.

My suggestion is to add a listing feature to watchlist. So that user can bundle different groups of items and see them separetly for instance Mining Stocks , AI stocks , ETFs and sorting between the created lists and also merging all of them on wish.

Perfect for ETFs and saving plans, not so great for trading or moving money around. Whenever you do a sale, your money is locked for 2 days. The new 2.5% depot account is nice, although one has to actively transfer money to and from it. Bank transfer can also take from an hour to a couple of days.

EDIT (after Scalable Capital's response): I am grateful for Scalabe Capital taking the time to react to my review.
Regarding the usage of the proceeds of sales, it is true that most of it can be reused right away, but there is a part locked for tax purposes. I could also withdraw most of the cash after a few days, but again, there are about 100€ which have been locked for more than a month now and I can only use to purchase equity.
Nevertheless, for long term holdings and controlled withdrawal, this broker has very nice features. If you need something with more fast paced flexibility, there are others with a better offering. Each tool has its purpose.

I’ve been using Scalable Capital and initially had a very good experience. The app is easy to use, and deposits and withdrawals are smooth.

However, since around December 2025, stability has dropped significantly. The app often fails to open, and even when it does, it sometimes incorrectly shows the market as closed, preventing trades. There’s also no option to place orders for execution when the market opens.

At the same time, there’s a strong push toward the premium subscription, but the performance issues remain.

When it works, trading is simple and efficient—but the frequent outages and reliability issues make it hard to trust the platform. I’m now considering switching to a more stable alternative.

I use Scalable Capital for myself and was mostly satisfied with it. So I decided to open kinderdepots for my children as well. Our case was slightly special and needed some insights from the legal department. Scalable support initially said they will forward the case, but then suddenly refused. We ended up going to another bank.

Interface is very user friendly. Costs are loe and all transparent. Tagesgeld and Credit options are very competitive therefore can cater all requirements within one depot.

Easy investing. Great UI. Works.

best saving rates on the market 2.5%. large choice of investment products