Scalable Capital Review 2026
Scalable Capital is a German neobroker that splits its broker service into two plans. The FREE Broker charges €0.99 per trade — and nothing at all on purchases of €250 or more in PRIME ETFs — with no account fee. The PRIME+ Broker costs €4.99 a month and gives you a trading flat rate with €0 per-trade commission. On both plans, ETF savings-plan executions are free. Trades run through the European Investor Exchange and gettex, with Xetra charged separately.
Reviewed by Yaniv Barshaf, CPA · Fees verified 17 August 2026 · Our methodology
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Our verdict on Scalable Capital
Scalable Capital is a strong eurozone pick for investors who want to choose their pricing — €0.99 per trade with free €250+ PRIME ETF buys, or a €4.99/month flat rate for frequent trading. Xetra dealing now costs €1.99 rather than €3.99, so routing there is far less punishing than it was. Note there is no UK ISA, and that Scalable dates its current order-fee terms to 31 August 2026, so check the live schedule after that.
Get started with Scalable CapitalCapital at risk. This is not financial advice. Investing involves risk of loss.
Fees
- stock Commission: Until 31 August 2026, on the European Investor Exchange and gettex — FREE Broker: €0.99 per trade, or €0 on purchases of €250 or more in PRIME ETFs (Amundi, iShares, Vanguard, Xtrackers); PRIME+ Broker (€4.99/mo): €0 per trade from €250, else €0.99. Scalable's published schedule then lists a separate 'Xetra and gettex (from 01.09.2026)' tier charging €1.99 per PRIME ETF trade on both plans; Xetra itself was cut to €1.99 with trading-venue fees waived. Check the live schedule before trading on or after 1 September 2026
- withdrawal: Free to a linked bank account
- inactivity: None
- conversion: Euro-based trading via the European Investor Exchange, gettex and Xetra; instant deposits cost 0.99% (FREE) / 0.69% (PRIME+), charged only on the first €5,000 — every euro above that is free
- spread: Free ETF savings-plan executions from €1; market spreads apply, plus a 0.99% (FREE) / 0.69% (PRIME+) spread surcharge on crypto ETPs
Wondering how your money is protected? Read what happens if a broker goes bust →
Who Scalable Capital is best for
Scalable Capital suits eurozone investors who want a choice between pay-per-trade and an all-you-can-trade flat rate. The FREE Broker fits occasional investors and savings-plan users; the €4.99/month PRIME+ Broker rewards frequent traders who would otherwise rack up €0.99 charges. It is a weaker fit for UK investors (no UK availability or ISA) and for anyone who trades mostly on Xetra, where dealing costs €1.99 per trade on both plans — half what it used to be, but above the standard venue rate.
Scalable Capital fees in plain English
On the FREE Broker you pay €0.99 per trade, but purchases of €250 or more in PRIME ETFs (from providers such as iShares, Vanguard, Xtrackers and Amundi) are free. The PRIME+ Broker costs €4.99 a month and drops per-trade commission to €0 on trades of €250 or more. Those terms cover the European Investor Exchange and gettex. ETF savings-plan executions are free on every plan, from €1, and there is no custody fee, no withdrawal fee and no inactivity fee. Two things to watch. First, dating: Scalable labels the terms above as running until 31 August 2026, and lists a separate Xetra-and-gettex tier from 1 September 2026 charging €1.99 per PRIME ETF trade on both plans, so check the live schedule before trading on or after that date. Second, instant deposits carry a 0.99% (FREE) or 0.69% (PRIME+) charge on the first €5,000 — every euro above that is free — so an ordinary bank transfer avoids it entirely. Crypto ETPs also carry a spread surcharge at those same rates.
Safety and regulation
Scalable Capital's brokerage is provided through a BaFin-regulated setup with Baader Bank as the custodian bank, and cash benefits from the German €100,000 statutory deposit protection. The firm has operated since 2014. Regulation and deposit protection address firm failure, not the market risk you take on your investments.
How Scalable Capital compares on cost
The decision between Scalable and Trade Republic usually comes down to how you trade: Trade Republic's flat €1 is marginally simpler, but Scalable's PRIME+ flat rate wins for high-frequency traders, and its free €250+ Prime ETF purchases can beat everyone for lump-sum ETF buyers. Against DEGIRO, Scalable is simpler but DEGIRO's Core Selection can be cheaper for pure ETF investors. Our fee calculator turns your habits into an annual figure.
Our Scalable Capital score: 4.6/5
How this is calculated →Computed from the fee data on this page, not assigned by hand. Our commercial relationships are not an input.
- Cost (45% of the score)91/100
Averages 0.04% of the portfolio a year in charges across our three benchmark investors.
- Regulation & protection (20% of the score)75/100
Regulated by BaFin, Bundesbank. Tier-one regulators (FCA, BaFin, SEC and equivalents) carry the most weight.
- Market & account breadth (15% of the score)90/100
Covers 4 of the asset classes we price and 1 account type.
- Accessibility (10% of the score)100/100
Minimum deposit none; supports fractional shares; has mobile app.
- Fee transparency (10% of the score)100/100
Publishes a schedule complete enough to model every charge and charges no inactivity fee.
Pros and cons
Scalable Capital
Pros
- +Free ETF savings-plan executions on every plan
- +Free trades on €250+ purchases of Prime ETFs (FREE Broker)
- +Optional PRIME+ flat rate (€4.99/mo) for €0 per-trade commission
- +No custody fee and no account fee on the FREE Broker
Cons
- −€0.99 per-trade fee on the FREE Broker for smaller or non-PRIME trades
- −From 1 September 2026 the published schedule prices PRIME ETF trades on Xetra and gettex at €1.99 on both plans
- −Eurozone-focused — no UK ISA or UK availability
Scalable Capital
Best broker with a free savings-plan tier and an optional flat-rate plan
Capital at risk. This is not financial advice. Investing involves risk of loss.
Scalable Capitalfees & safety, in depth
Compare Scalable Capital head-to-head
Scalable Capital vs alternatives
| Feature | Scalable Capital | Lightyear | Trading 212 |
|---|---|---|---|
| Rating | 4.6 / 5 | 5 / 5 | 4.9 / 5 |
| Stock commission | Until 31 August 2026, on the European Investor Exchange and gettex — FREE Broker: €0.99 per trade, or €0 on purchases of €250 or more in PRIME ETFs (Amundi, iShares, Vanguard, Xtrackers); PRIME+ Broker (€4.99/mo): €0 per trade from €250, else €0.99. Scalable's published schedule then lists a separate 'Xetra and gettex (from 01.09.2026)' tier charging €1.99 per PRIME ETF trade on both plans; Xetra itself was cut to €1.99 with trading-venue fees waived. Check the live schedule before trading on or after 1 September 2026 | UK personal accounts (GIA and ISA): no execution fee on UK, US and European stocks or ETFs. EU accounts: GBP 1 per order on UK stocks, EUR 1 per order on EUR-denominated stocks, 0.1% on other European stocks, and 0.10% (min $0.10, max $1) on US stocks. ETFs are execution-fee-free on both. | 0% |
| Withdrawal fee | Free to a linked bank account | Free by local bank transfer. USD wire payments are charged (up to $8.50 UK, $6.11 EU). | Free |
| Inactivity fee | None | None | None |
| Min deposit | None | None | £1 |
| Fractional shares | Yes | Yes | Yes |
| Demo account | No | No | Yes |
| Regulators | BaFin, Bundesbank | FCA, EFSA | FCA, CySEC |
Frequently Asked Questions
Is Scalable Capital safe and legit?
Scalable Capital is regulated by BaFin, Bundesbank and has operated since 2014. All investing carries risk of loss.
What are Scalable Capital's fees?
Stock commission: Until 31 August 2026, on the European Investor Exchange and gettex — FREE Broker: €0.99 per trade, or €0 on purchases of €250 or more in PRIME ETFs (Amundi, iShares, Vanguard, Xtrackers); PRIME+ Broker (€4.99/mo): €0 per trade from €250, else €0.99. Scalable's published schedule then lists a separate 'Xetra and gettex (from 01.09.2026)' tier charging €1.99 per PRIME ETF trade on both plans; Xetra itself was cut to €1.99 with trading-venue fees waived. Check the live schedule before trading on or after 1 September 2026. Withdrawal: Free to a linked bank account. Inactivity: None.
What is the minimum deposit for Scalable Capital?
The minimum deposit is none.
Scalable Capital
Best broker with a free savings-plan tier and an optional flat-rate plan
Capital at risk. This is not financial advice. Investing involves risk of loss.