Retail Commercial Banking & Credit · B2C Consumer App / Platform · B2B SaaS Provider
Scalable Capital
European digital bank for retail investing, savings, credit and wealth management.
Available information varies by company and source.
Profile record updated:
Company facts
- Official name
- Scalable Capital Bank GmbH
- Entity type
- COMPANY
- Founded
- 2014
- Headquarters
- Munich, Germany
- Company size
- 501–1,000
- Market cluster / sector
- Retail Commercial Banking & Credit
- Market role
- B2C Consumer App / Platform · B2B SaaS Provider
- Official website
- scalable.capital
What Scalable Capital does
Scalable Capital combines a regulated direct-to-consumer bank and broker with a B2B wealth-technology operation. Retail customers use a unified account to invest, save cash, access managed ETF portfolios and obtain account-linked credit. The platform converts consumer activity into transaction, subscription, management-fee and interest income. Separately, it licenses and operates white-label digital wealth-management capabilities for banks and financial-services partners, extending distribution beyond its direct consumer brand.
Category differentiation
Scalable Capital is a regulated German digital bank and investment platform, not a general-purpose consumer bank or an unregulated trading application. Its B2B technology offering is white-label digital wealth-management infrastructure, not a standalone generic SaaS product.
Strategic context
AI-supported assessment from the existing company research; distinguish interpretation from sourced facts.
Scalable Capital Bank GmbH, trading as Scalable Capital, is a German digital bank and investment platform for retail customers. Its app and web platform combine self-directed securities trading, ETF savings plans, managed ETF portfolios, cash savings, fixed-term deposits, account-linked credit, pension investing and child accounts. It operates in Germany, France, Italy, the Netherlands, Austria and Spain, with more than one million clients and over €60 billion of client assets. The company earns revenue from per-trade brokerage charges, PRIME+ subscriptions, percentage-based wealth-management fees, credit interest, cash and deposit economics, and white-label wealth-management technology and operating services for financial institutions. Its B2B offering supplies partner-branded digital wealth propositions to organisations including ING Deutschland and Raiffeisen Banking Group Austria.
Company news briefing
Briefing updated:
Scalable Capital is actively positioning itself within the rapidly evolving German retirement savings depot market, facing heightened competition from rivals and traditional institutions regarding the state-subsidized Altersvorsorgedepot. While US competitors like Robinhood introduce advanced automated AI trading agents under strict ESMA regulatory oversight, European digital wealth managers such as Scalable Capital continue to navigate compliance requirements while expanding their digital brokerage and automated investment infrastructure.
Business model & monetisation
Scalable Capital monetises brokerage through a FREE plan charging €0.99 per trade and a PRIME+ subscription priced at €4.99 per month for unlimited eligible trades of at least €250. It charges annual percentage-based fees for managed wealth strategies, including published fees of 0.70% annually for the Gerd Kommer strategy, declining at higher portfolio values, plus product costs. Additional income comes from variable-rate credit, cash and fixed-term deposit economics, and commercial arrangements for white-label wealth-management technology and investment operations supplied to financial institutions.
- Retail brokerage
- Pay-per-Use
- PRIME+ membership
- Software Subscription
- Digital wealth management
- Percentage Take-Rate
- Credit and cash-savings economics
- Service Fee
- White-label wealth platform and operating services
- Service Fee
Products & capabilities
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Competitors & alternatives
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Side-by-side comparisons
Recent recorded signals
Dates refer to the source publication. Older entries are historical context, not evidence of a new event.
Trade Republic launches free ETF pension deposit
Financial Services / Retirement Products · Recorded impact score: 2/5
Trade Republic, a Berlin-based neobroker, has announced a 'completely free' state-subsidized retirement deposit (Altersvorsorgedepot) ahead of its official launch. The offer includes no account management fees, no order fees, and permanently waived product costs for over 50 selected ETFs from Blackrock, DWS, and Vanguard. CEO Christian Hecker framed this as the start of a 'new stock culture in Europe' and aims to attract new customers through the company's largest marketing campaign to date. This aggressive pricing undercuts rivals like Scalable Capital and Smartbroker, intensifying competition for the lucrative retirement market that begins in January 2026, with government subsidies of up to 540 euros per adult and 300 euros per child annually. The deposit replaces the Riester pension.
- Trade Republic launches a completely free state-subsidized retirement deposit (Altersvorsorgedepot).
- The offer includes free account management, free orders, and permanently waived product costs for over 50 ETFs from Blackrock, DWS, and Vanguard.
Investor Presentation Released: Scalable Capital Bank GmbH
financials · Recorded impact score: 4/5
AI parsed presentation narrative: Scalable Capital is a leading European digital bank empowering retail investors across Europe through accessible online brokerage, automated wealth management, and high-yield overnight savings accounts. Additionally, it monetizes its technology platform through B2B white-label partnerships with major financial institutions like ING Deutschland and Raiffeisen Banking Group. Strategic pillars: Digital Retail Brokerage Expansion, Automated Digital Wealth Management.
Deutsche Bank Enters Price War for State-Subsidized Retirement Portfolio
Financial Services · Recorded impact score: 2/5
Deutsche Bank is entering the competitive market for the new state-subsidized retirement investment account (Altersvorsorgedepot), which will launch in 2027. The bank emphasizes transparent pricing, avoiding 'loss-leader' offers. The product allows savers to invest in ETFs, stock funds, and bonds, with tax advantages and annual subsidies up to 540 euros (plus 300 euros per child). Deutsche Bank's standard digital-only depot, developed by DWS, will cost 0.1% annually for the first two years, then 0.28%. A more expensive advisory version costs 0.99% yearly. Competitors like Scalable Capital and Dekabank have already announced low-fee or fee-free structures. The article discusses the competitive landscape, concerns about future price increases, and the potential to boost Germany's equity culture.
- Deutsche Bank enters the Altersvorsorgedepot market with a standard digital depot costing 0.1% annually for the first two years, then 0.28%, and an advisory version at 0.99% per year.
- Scalable Capital launched the price war in August, offering no fees for depot management, savings plans, or trades on its standard depot, with running costs capped at 0.15% annually.
Die Bayerische hijacks Scalable Capital's XXL billboard in Munich
Marketing Campaign · Recorded impact score: 2/5
In response to the reform of private pension provision, neobroker Scalable Capital is aggressively marketing its depot offerings. Insurer Die Bayerische has countered with a guerrilla marketing campaign, selecting Munich's Stachus (Karlsplatz) as the location for its first counter-attack. There, Die Bayerische has taken over Scalable's XXL billboard, sending 'Ganz liebe Grüße' (kind regards) to the competitor. This move highlights the intensifying competition in the private pension market following regulatory reforms.
- Die Bayerische has hijacked Scalable Capital's XXL billboard at Karlsplatz (Stachus) in Munich.
- The billboard takeover is a guerrilla marketing tactic by Die Bayerische.
Scalable Capital Opens Brokerage API to Chatbots
Conversational AI Integration · Recorded impact score: 2/5
Scalable Capital has opened an interface that allows AI chatbots (e.g., ChatGPT, Claude, Grok) to access customers' brokerage accounts to read holdings, analyze portfolio data and prepare securities orders. Models can suggest savings plans or draft orders, but they cannot execute trades autonomously — each transaction requires explicit customer confirmation and displays cost and risk information. The integration can be activated in customer security settings and connects via a local CLI or an MCP (Model Context Protocol) server. Scalable warns that AI-generated recommendations are not investment advice and places the usage risk on customers. Other European platforms such as Bitpanda, Qonto and Finom have already enabled similar integrations.
- Scalable Capital opened an interface that lets AI chatbots access customers' brokerage accounts to read holdings and transaction history.
- AI models can prepare securities orders and create savings plans, but cannot execute trades autonomously; every trade must be confirmed by the customer.
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Questions about Scalable Capital
What is Scalable Capital?
Scalable Capital is a German digital bank and investment platform offering brokerage, managed ETF portfolios, savings, deposits, credit and retirement investing.
Who uses Scalable Capital?
It serves European retail investors, traders, savers, families and retirement savers, as well as financial institutions using its white-label wealth platform.
How does Scalable Capital make money?
It earns brokerage charges, PRIME+ subscription fees, wealth-management fees, credit and deposit economics, and B2B white-label platform and operating-service revenue.
Sources & coverage
This profile uses public, official and technically observable information. Missing information does not prove that a product or relationship does not exist. The list below does not imply that every profile statement has been verified.
24 publicly documented primary sources and citations linked across the market graph.
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