Finance and Investing

Scalable Capital Erfahrungen 2026: Fees, Security & Bank Features Reviewed

Scalable Capital Test 2026: Gebühren, Zinsen & neue Bank

Video: Scalable Capital Test 2026: Gebühren, Zinsen & neue Bank

· based on the channel Geldaura

Key takeaways

  • Scalable Capital gained its own banking license in 2026, enhancing deposit protection.
  • Free Broker offers zero monthly fees but charges per trade; PRIME+ uses a flat monthly fee.
  • PRIME+ flat fee becomes cost-effective from about 30 trades per month.
  • Wide product range includes stocks, ETFs, fractional shares, crypto ETPs, and private equity fractions.
  • Depot migration in 2026 requires special tax considerations for longtime customers.

Overview of Scalable Capital in 2026

Scalable Capital has evolved from a fintech startup into a licensed bank as of 2026, significantly improving its security and deposit insurance standards. This change means customer deposits are now protected up to €100,000 under the German Deposit Protection Scheme, providing a solid safety net. The platform offers two main account types: Free Broker with no monthly fee but trade-based commissions, and PRIME+, which charges a flat monthly fee but offers unlimited free trades.

For more detailed information and registration, visit Geldaura's Scalable Capital page.

Free Broker vs PRIME+ — Which Option Saves You More?

The Free Broker account is ideal for investors with low trading frequency since it does not impose monthly fees but charges approximately €0.99 per trade. PRIME+ is a subscription model costing about €2.99 per month, enabling unlimited orders without additional trading fees.

The break-even point for PRIME+ is roughly 30 trades per month. Investors placing fewer trades should consider the Free Broker, while active traders benefit from the flat fee structure. Additionally, PRIME+ includes features like access to private equity fractions and improved order execution.

Investment Product Offerings

Scalable Capital supports an extensive range of assets:

  1. Stocks and ETFs: Access to thousands of German and international shares and ETFs.
  2. Fractional Shares: Allows purchasing small portions of expensive stocks.
  3. ETF Savings Plans: Available with no order fees under PRIME+, enabling regular, cost-effective investing.
  4. Crypto ETPs: A selection of cryptocurrency exchange-traded products is offered, expanding diversification options.
  5. Private Equity Fractions: Exclusive to PRIME+ subscribers, enabling participation in alternative investments.

This diverse offering gives investors flexibility beyond typical neobrokers.

Drawbacks and Considerations

While Scalable Capital provides competitive pricing and a broad product range, some limitations exist:

  • The Free Broker's per-trade fees can add up quickly for frequent traders.
  • The transition to a banking license caused a depot migration in 2026, which may complicate tax reporting for existing clients.
  • Krypto ETPs and private equity investments carry higher risks and may not suit conservative investors.

Customers should carefully consider their trading frequency and investment goals before selecting an account type.

Tax Implications and Depot Migration

The 2026 depot migration due to the banking license upgrade requires attention:

  • Old depot holders must verify their tax documents, as some cost basis data may not have transferred correctly.
  • Special tax rules apply in 2025, affecting capital gains reporting.
  • Scalable Capital provides tools and customer support to facilitate the transition.

Understanding these tax implications is crucial to avoid surprises during tax season.

Conclusion

Scalable Capital in 2026 offers a secure and versatile investment platform with a clear pricing structure. The new bank license enhances safety, making it a strong contender among German neobrokers. PRIME+ is attractive for active traders, while Free Broker suits casual investors. The wide asset selection, including ETFs, fractional shares, crypto ETPs, and private equity, meets diverse investor needs.

For detailed comparisons, fee updates, and registration, visit Geldaura's website. This review is based on the independent analysis by the Geldaura channel.

Questions & answers

What are the main differences between Scalable Capital's Free Broker and PRIME+ accounts?

The Free Broker account charges no monthly fee but applies a fee per trade, while PRIME+ has a fixed monthly fee offering unlimited free trades and additional features like private equity investments.

How does Scalable Capital's new banking license affect customer deposits?

The banking license means customer deposits are protected up to €100,000 under the German Deposit Protection Scheme, enhancing security compared to the previous fintech status.

What types of investments can I access through Scalable Capital?

Investors can trade stocks, ETFs, fractional shares, ETF savings plans, crypto exchange-traded products (ETPs), and private equity fractions, the latter being exclusive to PRIME+ users.

Are there any tax considerations after the 2026 depot migration?

Yes, existing customers should review their tax documents carefully as cost basis information may not have fully migrated, and special tax rules apply for capital gains related to 2025 transactions.

Source: Scalable Capital Test 2026: Gebühren, Zinsen & neue Bank · Markdown version

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