Scalable Capital: 10 Key Things You Must Know

Overview

Scalable Capital is a prominent fintech company that has redefined digital investing with its advanced technological framework and affordable financial services. Based in Munich, Germany, Scalable Capital offers a comprehensive platform for trading, wealth management, and financial products integration. Known for its user-friendly approach, Scalable Capital has attracted a wide base of both novice and seasoned investors. Its platform supports a seamless experience in managing investments from stocks and ETFs to more sophisticated digital currencies. The following sections delve into fascinating aspects of Scalable Capital, showcasing its unique offerings and its growing influence in the fintech ecosystem.

1. Foundation and Growth

Scalable Capital was founded in 2014 in Munich, Germany, by Erik Podzuweit, Florian Prucker, and Adam French. Initially launched with a focus on robo-advisory services, the company quickly expanded into offering a broker platform to enable self-directed investments in 2020. With backing from major investors such as BlackRock and Tencent, Scalable Capital has witnessed robust growth, managing over €30 billion in assets for more than 1 million customers by 2025.

2. Investment Platform

Scalable Capital's platform is known for its simplicity and versatility, ideal for both beginners and experienced investors. It offers a wide range of financial products including stocks, ETFs, and cryptocurrencies, with seamless integration into personal investment strategies. Users can access features like automatic rebalancing and personalized risk management through their intuitive mobile app and desktop interface.

3. Robo-Advisor Technology

Initially known for its pioneering robo-advisory services, Scalable Wealth blends automated investment strategies with personalized client inputs. This service is highly appealing for investors seeking a hassle-free diversification of their portfolios. With smart algorithms and dynamic risk management tools, it offers affordable and optimized investment solutions tailored to individual financial goals.

4. Subscription-Based Fee Model

Scalable Capital differentiates itself through a transparent subscription-based fee model. Investors can choose between a free plan and a PRIME+ subscription, which includes unlimited trading at a flat rate of €4.99 per month for orders exceeding €250. This model allows frequent traders to benefit from reduced transaction costs compared to per-trade fees.

5. Stock Exchange Ventures

Scalable Capital has ventured into the stock exchange domain with the European Investor Exchange (EIX), jointly operated with the Hanover Stock Exchange. This exchange caters specifically to the needs of retail investors and offers a modern trading environment backed by Scalable's proprietary technology.

6. Security and Regulation

As a regulated entity under BaFin, the German Federal Financial Supervisory Authority, Scalable Capital offers secure and compliant investment options. Partnerships with established institutions such as Baader Bank ensure that customer assets, both securities and cash deposits, are well-protected. The platform facilitates efficient tax processing for users, making it a favored choice in the German market.

7. Market Competition

In a competitive landscape alongside platforms like Trade Republic and eToro, Scalable Capital stands out for its comprehensive services at competitive rates. With access to a broad range of investment products, lower fees, and a strong customer support system, it has carved a niche for itself in Europe's fintech market.

8. Recent Developments

As of 2025, Scalable Capital has introduced new services such as kids’ investment accounts and private equity investments in collaboration with ELTIFs, broadening investment opportunities for families and serious investors alike. This expansion highlights its commitment to democratizing access to diverse financial products.

9. Customer Experience

Scalable Capital offers a user-oriented experience with its intuitive design and extensive support resources. Despite occasional criticisms regarding customer service response times, the platform continues to rate highly for transparency and ease of use, underscoring its strong reputation among users.

10. Future Prospects

With its strategic funding and innovation drive, Scalable Capital is poised for further expansion across Europe. Its focus on integrating cutting-edge technology with customer-focused investment tools positions it well in the rapidly evolving digital finance landscape, making it a company to watch in the coming years.

Conclusion

Scalable Capital has revolutionized the landscape of online investing by offering intuitive and cost-effective solutions tailored to a wide range of investors. With its array of services and commitment to customer satisfaction, Scalable Capital exemplifies the potential of fintech innovation to democratize finance and empower individual investors. It stands as a beacon of modern financial services, continuously evolving to meet the needs of its growing clientele.