Scalable Capital Review

Scalable Capital is a European investment platform offering low-cost trading, automated wealth management and interest on cash balances. The service combines self-investing, savings plans from €1, access to stocks, ETFs, funds, crypto and derivatives, and up to 2 percent variable interest. Although the broker is not yet available in the Netherlands, its product range and pricing model are relevant for Dutch investors comparing European brokers.

Account Setup

Scalable Capital uses a fully digital onboarding process designed for fast activation. New users register with basic personal information, complete identity verification through the app and connect their bank account for deposits and withdrawals. Once verification is approved, the platform enables trading, savings plans from €1, cash management with interest and access to all supported investment products.

Fees and Trading Costs

Scalable Capital separates its pricing into two broker plans with clear, predictable costs. Both models support €0 savings plan executions, variable interest on cash balances and access to the full product range. Trading fees depend on whether the user prefers a pay-per-trade structure or a flat-rate subscription.

Fee Overview

Feature	FREE Plan	PRIME+ Plan
Monthly fee	€0	€4.99 per month
Trading fee	€0.99 per trade	€0 per trade from €250, otherwise €0.99
Savings plans	€0 per execution	€0 per execution
ETF purchases (selected PRIME ETFs)	€0 from €250	Included
Crypto trading spread	0.99%	0.69%
Interest on cash	2 percent p.a. up to €100,000	2 percent p.a. on unlimited balance
Supported assets	Stocks, ETFs, crypto ETPs, funds, derivatives	Same, full feature access
Advanced features (analysis, alerts etc.)	Limited	Full access

Asset Selection

Scalable Capital offers a broad multi-asset lineup designed to cover both long-term investing and active trading. The platform groups its products into clear categories, each with savings plan options starting from €1.

Available asset types

• Stocks
• ETFs
• Crypto ETPs
• Funds
• Commodities
• Derivatives

Scalable Capital provides access to more than 8,000 stocks, over 2,300 ETFs from all major providers and around 1,900 funds without issue surcharges. Crypto exposure is handled through regulated ETPs, allowing users to trade Bitcoin, Ethereum, Solana and more without needing a separate wallet. Commodity products and precious-metal trackers can be added through savings plans, while derivatives offer leveraged products for experienced traders. This range gives investors flexibility to build diversified portfolios, automate recurring investments and combine traditional and alternative assets in one account.

Regulation and Safety

Scalable Capital operates as a regulated European investment platform and follows established rules for investor protection. Client assets and cash balances are held with partner banks and custodians under applicable regulatory frameworks.

Scalable Capital uses statutory deposit-guarantee schemes for cash up to €100,000 per client per bank. When cash is placed in qualifying money-market funds instead of bank deposits, investor protection follows UCITS regulation rather than a deposit guarantee. Securities such as stocks, ETFs, funds and crypto ETPs are held in the client’s securities account, while the issuers of ETPs are responsible for the underlying crypto custody. All products remain subject to market, liquidity and issuer risk, and Scalable Capital provides detailed risk disclosures to help investors understand these exposures.

Account Opening and Payments

Scalable Capital uses a streamlined digital onboarding flow. New clients provide personal information, verify their identity through the app and link their bank account for transfers. Once verification is approved, the account becomes fully functional and ready for trading or setting up savings plans.

Payments are handled through standard bank transfers. Deposits fund the available cash balance, which may earn variable interest depending on the chosen plan. Withdrawals are processed back to the verified bank account. All trading, savings-plan executions and crypto ETP purchases draw directly from the cash balance, keeping the payment process simple and predictable for regular investing.

Pros and Cons

Pros

• Wide asset selection including stocks, ETFs, funds, crypto ETPs and derivatives
• Savings plans from €1 for ETFs, stocks, crypto and commodities
• Transparent pricing with a choice between pay-per-trade and flat-rate
• 2 percent variable interest on cash balances depending on plan
• Strong ETF coverage from all major providers
• Fully digital onboarding and user-friendly app
• Regulated environment with deposit protection at partner banks

Cons

• Crypto exposure only via ETPs, not direct crypto holdings
• Flat-rate PRIME+ plan only pays off for frequent traders
• Interest allocation depends on available capacities and may shift
• Limited advanced tools unless using PRIME+
• Product costs, spreads and inducements still apply despite €0 savings-plan fees