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Scalable Capital
Scalable Capital holds a German banking license and offers 2.50% interest on unlimited cash, plus brokerage and robo-advisory, in one retail-focused app.
Scalable Capital
Zinsen, Trading-Flatrate, ab 1 € in Aktien, ETFs, Fonds, Crypto & Co. investieren oder einfach investieren lassen. Jetzt loslegen.
General information
Firm type
Asset Manager
Year founded
—
AUM
Undisclosed
Location
Region
Europe
Country
Germany
City
Munich
Corporate office
Munich, Germany
Sector focus
Frequently asked questions
Who runs investment decisions at Scalable Capital?
Scalable Capital does not publicly name an individual CIO or portfolio management lead on its consumer-facing website. The robo-advisory Wealth service uses automated algorithms for portfolio construction. For equity, ETF, and crypto trading, clients self-direct all investment decisions through the Broker interface.
How does Scalable Capital generate revenue?
Scalable Capital earns through flat-fee brokerage subscriptions, trading spreads, and net interest margin on customer deposits. Its banking license permits it to hold deposits directly and pay interest (currently 2.50% p.a. on unlimited cash) while lending or investing those funds. The robo-advisory Wealth service charges a management fee, though the rate is not disclosed on the site.
Is Scalable Capital a bank?
Yes. Scalable Capital operates under a full German banking license, which allows it to accept customer deposits and lend funds. This status distinguishes it from most fintech brokerages, which typically rely on partner banks for cash custody and interest payments.
What does Scalable Capital offer beyond brokerage?
Beyond self-directed stock and ETF trading, Scalable Capital provides an automated wealth management service, a crypto trading option, and an interest-bearing overnight deposit account. It also markets a Kid's account for minors, which combines savings interest with a pocket-money feature.
Where does Scalable Capital hold customer assets?
As a licensed bank, Scalable Capital holds cash deposits directly on its own balance sheet. Securities are typically held in custody at a third-party depositary, though the firm does not name its custody partners on its public website.
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