Scalable Capital Reviews 5,527

TrustScore 4 out of 5

3.8

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Review summary

Based on reviews, created with AI

Reviewers had a great experience with this company. Customers consistently praise the app for its ease of use, intuitive design, and clear structure, making investing straightforward and accessible. Many people appreciate the modern platform and its automated features, which simplify the investment process. However, some customers have noted issues with the service, including slow transfers and a manual process for US tax exemption. There are also occasional complaints about the website and app, with some users finding the dashboard view unclear or certain features complicated. A few people also mentioned difficulties with the onboarding process and technical glitches during registration.

What people talk about most

User experience

Customers consistently note positive experiences with user experience, often praising the app's ease of use,... See more

Service

Clients share ambiguous opinions on service. Many reviewers express dissatisfaction, citing issues like... See more

Website

Consumers find website to be ambiguous, with some praising its intuitive interface, clean design, and ease of... See more

Application

Customers had positive experiences with the app, finding it easy to use, understand, and navigate. Many... See more

Price

People report ambiguous experiences with price. Some customers praise the pricing and note that the fees are... See more

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

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 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 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)

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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 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 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 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

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 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 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

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 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

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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 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 4 out of 5 stars

ita: sono un piccolo investitore su Scalable Capital, e trovo questo broker ottimo, l'unico grande problema che ha è che questo broker è che non offre il regime amministrativo ai suoi clienti ita... 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 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 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.

Company replied

Rated 5 out of 5 stars

I’ve been using Scalable Broker for two years now, and I’ve been consistently impressed with both the platform. The interface is intuitive, making it easy to navigate and manage my investments with... See more

Company replied

Rated 5 out of 5 stars

Great broker. Easy to use ! Provides Tax certificate, such a relief. A bit expensive transactions if you don't have their Prime Broker

Company replied

Rated 1 out of 5 stars

I tried 4 times to register today, but I could not because I was not able to choose any job, since the dropdown was bugging. I tried 3 times with 3 different browsers on my PC and 1 time at my phone.... See more

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Rated 5 out of 5 stars

It was quite easy to set up an account with Scalable capital. The app is also very user friendly. The fees are clear. I have not had to interact with the support team as I did not face any issue af... See more

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Rated 5 out of 5 stars

User interface is very good. Prior to opening their own bank sending and withdrawing money got much easier.

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Rated 5 out of 5 stars

I've been using Scalable Capital for quite some time now and I have nothing but praise for the product, the pricing, the customer support and the UX/UI.

Company replied

Rated 5 out of 5 stars

Mükerrem Yildizhan Has done a wonderful job with my Case. I can only suggest SC! Personal thanks to Mükerrem Yildizhan.

Company replied

Rated 5 out of 5 stars

Unparalleled ease of use with best customer support services among competitors. Their AI features Insights and the support chatbot are actually very helpful if you use and explore it properly

Company replied

Rated 5 out of 5 stars

Scalable capital excels at providing great services that are integrated well with one another. That results in a great user experience.

Company replied

Rated 4 out of 5 stars

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 d... See more

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Rated 5 out of 5 stars

The app is easy and very good to trade. Also great to get 2% return on cash. Still some improvements to make the app suitable buy stocks for any amount instead of full shares.

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Rated 5 out of 5 stars

Great investing app! The communication is quick and transparent and customer service super efficient. Overall I find it super easy to navigate 🧭

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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 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 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

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

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 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 3 out of 5 stars

The recent move of interest into an 'Overnight Account' - meaning extra work for customers if we want to receive the interest (also for our kids) - comes with little explanation as to why the service... 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 1 out of 5 stars

Customer experience is really bad. Although the people are very friendly, it takes too long time to solve simple issues or they can not solve them at all.. Interface also is terrible. Its like inte... 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 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

Onboarding process has been tedious to say the least. Scalable cancelled my account without prior notice or reasons. Communication is lacking by far, only to receive notification that my documents wer... See more

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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

Company replied


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

3.8

Great

TrustScore 4 out of 5

6K reviews

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

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Rated 1 out of 5 stars

They have hidden fees

They have hidden fees. Especially with crypto ETFs they charge an additional 1% surcharge fee making them more expensive than conventional brokers although they claim to be cheaper.

18 December 2025
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello Rob,
thank you for your feedback. We are sorry to hear that you are not satisfied with our offering. You can view all fees here at any time: https://de.scalable.capital/en/trading-costs. We will take your feedback into account.
Kind regards,
Eva from Scalable Capital

Rated 5 out of 5 stars

Great services for the beginner!

Great services for the beginner. Easy to use and very flexible.

21 January 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

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

Rated 5 out of 5 stars

User interface is very good

User interface is very good. Prior to opening their own bank sending and withdrawing money got much easier.

21 January 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello Ozan,
thank you for your feedback. We are pleased that you like our product and processes!
Kind regards,
Eva from Scalable Capital

Rated 1 out of 5 stars

Support does never anything

Support does never anything. Not even answering emails

15 January 2026
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello,
thank you for your review. We are sorry to hear that you had an unsatisfactory experience. Due to an increased volume, there may unfortunately be delays in processing inquiries at the moment. Our customer service team will process requests as quickly and efficiently as possible. Please contact us again at community@scalable.capital with a description of your request and we will forward it internally.
Kind regards,
Lasse from Scalable Capital

Rated 2 out of 5 stars

Mediocre app

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 bank to the other a lot of things went wrong and were messed up. Funny enough the transfer was promptly delayed by 30d and everyone with a little experience in system migration knows why.

10 November 2025
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello Peter,
thank you for your review. We are sorry if you are experiencing any problems.
In addition to the app, you can also access and manage your portfolio at any time via your desktop. Simply log in via our website (https://de.scalable.capital/en/login). Besides, you can find information about our current system status on our status page at status.scalable.capital. We provide information about issues there.
We continually strive to make our product available without interruption. If you still have an unresolved issue, please contact our customer service at any time. You can find all the ways to contact us at scalable.capital/kontakt.
Kind regards,
Eva from Scalable Capital

Rated 5 out of 5 stars

Please I need your support please

Please I need your support please

30 December 2025
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello Richard,
thank you for reaching out. In order to be able to provide you with better assistance, please contact our customer service directly with a description of your request. You can reach us at scalable.capital/kontakt.
Kind regards,
Eva from Scalable Capital

Rated 1 out of 5 stars

Out of nowhere suddenly 15€ are getting…

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 there is no help at all, which is crazy. I will cancel directly my account, since this is the only way I guess to not get charged anymore. Customer service seems to be incapable to fix this.

23 December 2025
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello Moritz,
thank you for your review. We are sorry if you are experiencing any problems. Please contact us again at community@scalable.capital with a description of your request and we will forward it internally.
Kind regards,
Eva from Scalable Capital

Rated 3 out of 5 stars

Nothing special about this broker

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 difference to competitors are the rewards you get for joining. Scalable always advertises watering benefits through promotions, such as inviting friends or cashing in.

However, each of these promotions come with a 4-page terms of service alignment, containing mostly exceptions and special conditions under which you become ineligible for the bonus. It's so many terms, that reading them, let alone follow them, is not worth the money.

I don't understand why a broker such as Scalable feels the need to overcomplicate terms. It hurts the platform's trust. I just migrated all my assets away. If they already overcomplicate simple bonuses, I don't want to know what they might do with my life savings, just because I didn't read their 80 pages of ToS...

22 December 2025
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello,
thank you for your feedback. We are sorry to hear that the complexity of our terms and conditions are not suitable for you. We will take your feedback into account and always strive to further optimise our customer experience.
Kind regards,
Eva from Scalable Capital

Rated 1 out of 5 stars

I thought it was good but then I saw…

I thought it was good but then I saw eve from scalable capital replying to everything in AI... that sucks...🖕

19 December 2025
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello,
thanks for the feedback! We're sorry to hear you did not like our communication style.
Please be assured that Eva is a real person and no AI is used in our communication on Trustpilot.
Our team takes a lot of time and care to read every review and respond to as many as possible.
However, there may be limitations in our ability to publicly engage with a given review due to data security policy. We are not able to communicate any kind of personal data on Trustpilot.
In case you have any issues, please always feel free to contact our customer support team.
Kind regards,
Tim from Scalable Capital

Rated 1 out of 5 stars

Should be renamed Lazyble Incapable

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't provide any assistance, the instructions are confusing

No way I can recommend it

18 December 2025
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello,
thank you for your review. We regret that we have not yet been able to fully convince you.
We are always working to further improve our product and whenever possible we refer to the feedback from our customers when developing it further.
If you still have an unresolved issue, please email us to community@scalable.capital so that we can pass it on internally.
Kind regards,
Tim from Scalable Capital

Rated 1 out of 5 stars

Scam

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 allow me to withdraw my money.
I'm close to initiate legal actions

17 December 2025
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello Sergey,
thank you for your feedback. The termination may refer to your previous Baader Bank securities account. In this case, your new Scalable account is not affected by this. Baader accounts were closed as part of the successful transition to the new Scalable: https://help.scalable.capital/en/the-new-scalable-transfer-0bb0b7ff/what-happened-to-my-baader-account-635282c2. The termination may also have other reasons. To clarify the situation, we can be reached at service@scalable.capital.
Kind regards,
Lasse from Scalable Capital

Rated 1 out of 5 stars

Official documents are not accepted

Official documents are not accepted for account verification. Requests take a very long time to process.

3 December 2025
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello Konstantin,
thank you for your review. We are sorry if you are not satisfied with our process. If you have any problems or questions in this regard, please feel free to contact our customer service at https://de.scalable.capital/en/customer-support.
Kind regards,
Eva from Scalable Capital

Rated 5 out of 5 stars

Easy start - smooth use

It was quite easy to set up an account with Scalable capital.
The app is also very user friendly.
The fees are clear. I have not had to interact with the support team as I did not face any issue after using the app for 3 years.

14 November 2025
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

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

Rated 3 out of 5 stars

Ok, but inconvenient order mask

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 inconvenient way: first, you can set the desired amount of money to be spent for an order. On the next screen, you set your limit - say 10% below current price - but it ignores your desired order amount from the previous screen, using only the number of shares calculated at current price, so you have to go back to the previous screen again and adjust the amount again. It would be much more convenient if the limit could be set already on the first screen simultaneously with the order volume, and the order volume AT THE SET LIMIT was visible instantly.

Also, for pending orders, the estimated order amount is not displayed, which is a shame.

14 November 2025
Unprompted review
Rated 1 out of 5 stars

Really bad customer support, I wouldn't recommend dealing with them

Well, for an unlogical reason, the app stopped to withdraw money to my monthly broker plan. Then I asked the support but the service was really bad as every other service in Germany, it took them so long to answer then a human replied who was like a robot and wasn't engaging at all and didn't give me a satisfactory reason, the person seemed as if they copied and paste without taking a look into my concerns.

1 September 2025
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello Shrouk,
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. Please email us to community@scalable.capital so that we can forward the matter internally again.
Kind regards,
Eva from Scalable Capital

Rated 4 out of 5 stars

Translation needed : I would love to have wealth section in…

I would love to have wealth section in English

5 November 2025
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello Thahrim,
thank you for the review. We are always working to further improve our offer and whenever possible we refer to the feedback from our customers when developing it further. We will gladly take your feedback into account.
Kind regards,
Eva from Scalable Capital

Rated 5 out of 5 stars

Great user experience

Scalable capital excels at providing great services that are integrated well with one another. That results in a great user experience.

12 November 2025
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

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

Rated 5 out of 5 stars

Reliable app

Nice app, easily to use

11 November 2024
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello,
thank you for the review. We are pleased that you like the app!
Kind regards,
Eva from Scalable Capital

Rated 5 out of 5 stars

so far so good

until now, it works

11 November 2025
Unprompted review
Scalable Capital logo

Reply from Scalable Capital

Hello,
We're happy to hear that, thank you very much for your feedback!
Kind regards,
Eva from Scalable Capital

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