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 gettex and, for a higher fee, Xetra.
Reviewed by Yaniv Barshaf · Fees verified June 2026 · Our methodology
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Best overall: 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. Just avoid Xetra to keep costs down, and note there is no UK ISA.
Get started with Scalable CapitalCapital at risk. This is not financial advice. Investing involves risk of loss.
Fees
- stock Commission: FREE Broker: €0.99 per trade (€0 on €250+ Prime ETF purchases). PRIME+ Broker (€4.99/mo): €0 per trade on €250+, else €0.99. Xetra trades €3.99 on both plans
- withdrawal: Free to a linked bank account
- inactivity: None
- conversion: Euro-based trading via gettex/Xetra; instant deposits cost 0.99% (FREE) / 0.69% (PRIME+)
- spread: Free ETF savings-plan executions from €1; market spreads apply
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 €3.99 per trade on both plans.
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. ETF savings-plan executions are free on every plan, from €1. There is no custody fee, no withdrawal fee and no inactivity fee. Two things to watch: Xetra trades cost €3.99 on both plans, and instant deposits carry a 0.99% (FREE) or 0.69% (PRIME+) charge, so fund by ordinary bank transfer to avoid it.
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.
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/non-Prime trades
- −Xetra dealing costs €3.99 per trade 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 | eToro | XTB |
|---|---|---|---|
| Rating | 4.3 / 5 | 4.5 / 5 | 4.5 / 5 |
| Stock commission | FREE Broker: €0.99 per trade (€0 on €250+ Prime ETF purchases). PRIME+ Broker (€4.99/mo): €0 per trade on €250+, else €0.99. Xetra trades €3.99 on both plans | $1–$2 per stock trade (varies by country/exchange); ETFs 0% | 0% up to €100k monthly turnover, then 0.2% (min €10) |
| Withdrawal fee | Free to a linked bank account | $5 per withdrawal on USD accounts ($30 min); free on GBP/EUR accounts | Free above €100 (some entities charge €10 below €100) |
| Inactivity fee | None | None (eToro removed the inactivity fee in 2026) | €10/month after 1 year inactive with no deposit in 90 days |
| Min deposit | $0 | $50 | $0 |
| Fractional shares | Yes | Yes | Yes |
| Demo account | No | Yes | Yes |
| Regulators | BaFin, Bundesbank | FCA, CySEC, ASIC | FCA, CySEC, KNF |
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: FREE Broker: €0.99 per trade (€0 on €250+ Prime ETF purchases). PRIME+ Broker (€4.99/mo): €0 per trade on €250+, else €0.99. Xetra trades €3.99 on both plans. Withdrawal: Free to a linked bank account. Inactivity: None.
What is the minimum deposit for Scalable Capital?
The minimum deposit is $0.
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.