Scalable Capital Reviews 

The Onboarding experience was very bad as it took nearly 3-4 weeks in total. Document verification process is very very slow, and if you contact them you get reply in weeks.

So far the only problem I had was the nightmarish signup process as an expat, which gave me a taste of Scalable Capital's customer service. Going through the identification process is one thing (still, less smooth than for locals) but the real challenge begins once you are asked to go through the 'Proof of address' process. This only affects expats who don't have citizenship and as a result no local ID in the country where they signed up for Scalable Capital.. for me the process involved uploading three different documents and the waiting time between each upload took multiple days. As a result, my onboarding process took 11 days. After this, getting started with my account and migrating my assets was a surprisingly smooth experience.

Easy onboarding by showing I'd card at post office. Easy to purchase etfs and stocks in euros.

The onboarding process is streamlined and works well. There was just an issue with what document is needed as proof of address. The application is fine except that it is a bit confusing what account you need to receive the steady interest. The interest rate is the best in its category.

I have been a Scalable Capital customer for several years. One of the main reasons I chose the platform was the quality of its customer service, as I could easily reach a support representative whenever I needed assistance.

Recently, I contacted customer support to resolve an issue and was directed to the AI chatbot. In my case, the chatbot was unable to resolve my problem. Instead, it generated a suggested email for me to send to customer support, so I still had to contact them by email to seek assistance.

Compared with my earlier experiences, I found the support process much less helpful. When dealing with investments, I value being able to speak with a person when an issue cannot be resolved automatically. Based on this experience, I no longer have the same confidence in the level of customer support that originally led me to choose Scalable Capital.

Easy to use app, good and clear overview.

Requested a financial status through the app — it never arrived. Retried a few times and got locked out with a "daily limit of requests reached" error, so now I can't even try again.
On top of that, reaching a real human was unnecessarily hard. The in-app chatbot kept blocking me from getting to customer service, and only let me through after I explicitly said it was urgent. For a financial provider, this is not acceptable. One star.
To make matters worse, customer service never replied. The lesson I learned today: move away from Scalable Capital quickly — because what if this had been a serious matter that needed immediate customer support?

They say it takes maximum 3 days to open account after verification but I have been waiting 10 days and they still havent checked my proof of residence document.

Well....it was all okay and honestly I do like the app. But....not being able to buy partial stocks is a bit meh. And I get people are making savings plans for that and then canceling but this is stupid.

All is good so far. I like using as well as the application on Android and the browser version. I could easily find documents for Steuererklärung, that's nice. What I could not find in the application, is that information about average price of purchase of some stocks. I guess it is called Durchschnittlicher Kaufpreis auf Deutsch. I would like to have it, if it not yet available. For example I buy stocks at different prices today at 100 euro, tomorrow 50, then after some time at 70. So I would like to have an average price of all these purchases. Thanks.

Scalable is an amazing platform for investors. It has variety of products to satisfy different needs. Easy to use app provides information on all product.

Customer Support doesn't exist. Just an AI chat that does absolutely nothing. I fully stopped trusting this platform after realizing I put my money where there's nobody to help in case of problem. I'll move away as soon as possible.

Until everything is going well it’s good but I have to point out that there is absolutely no customer support as such. Telephone line is useless it loops through and says we have limited capacity. Chat function is ChatGPT not connected to any system which can give actual information. They also do not answer email. So think about the future issues and avoid this broker because if you have a problem you hit the wall.

The onboarding took over a month although I had the documents submitted.

Once I was online I could see that the incoming cash transactions would not show the sender or the sender's account number or bank. I think this is very poor for the real time transactions and should be standard (it is in all the competing online banks).

Very transparent, easy to use platform. Makes investing accessible for everyone.

Great app. Simple to use
Good visualisation

The app is too basic but i need to suggest some features which would make this app better
1) I request scalable capital to add "modify feature" in the app after placing trades
2) I want scalable capital to add "sell all" feature to sell all my holdings at once instead of selling one by one

Too slow. Limited communication on what was happening

The new SC after migrating from Badder bank to their own infrastructure has been very good. The service is more responsive and money transfers are now instantaneous. The new option to move money internally between accounts is also a huge time saver, in the past you would need to transfer out and then back in.