Accounts & headline costs
Sections ↑Scalable’s German broker combines self-directed securities investing with recurring savings. The core decision is between FREE, with no monthly subscription, and PRIME+, whose monthly charge buys qualifying EIX trades and additional tools. A separate overnight account, fixed-term savings, managed portfolios and secured credit extend the service; they do not share one universal fee or liquidity rule.[2][32][29][8]
Account comparison01
Current broker choices
| Feature | FREE | PRIME+ | Condition that matters |
|---|---|---|---|
| Monthly subscription | EUR 0 | EUR 4.99 | Current marketed models; paid plan billed monthly.Source 4 |
| EIX trade of EUR 250 or more | EUR 0.99 | EUR 0 | Eligible PRIME ETF purchases also have EUR 0 order fees in FREE.Source 2 |
| EIX trade below EUR 250 | EUR 0.99 | EUR 0.99 | The small-order charge still applies.Source 2 |
| Ordinary Xetra/gettex trade | EUR 1.99 | EUR 1.99 | PRIME derivative conditions have a separate gettex exception.Source 2 |
| Savings-plan execution | EUR 0 | EUR 0 | From EUR 1; underlying costs and crypto markup can remain.Source 2 |
| Portfolio tools | Limited analysis; one group; three security alerts | Expanded analysis; unlimited groups and alerts | Available functions remain subject to product rules.Source 2 |
The facts02
Account setup at a glance
| Measure | Value | Context |
|---|---|---|
| Market covered | German resident retail customers; terms checked 11 October 2026. | Source 22 |
| Starting payment | At least EUR 1 by bank transfer verifies the reference account before investing. | Source 3 |
| Custody charge | EUR 0 standard custody fee. | Source 2 |
| Base cash handling | Settlement is in EUR; foreign-currency proceeds may require conversion. | Source 4 |
| Platform access | Web plus mobile apps; separate authorised agent interface is available. | Source 20 |
| Other tariff name | The current tariff still lists PRIME at EUR 35.88 annually. The public new-customer comparison markets FREE and PRIME+; existing PRIME clients should use their own agreement. | Source 4 |
Choosing by use rather than by label
Reference table03
Practical plan comparison
| Pattern | Cost implication | Editorial interpretation |
|---|---|---|
| Only regular eligible ETF savings | Both plans waive savings execution fees. | A trading subscription adds little on execution cost alone.Source 44 |
| Six otherwise chargeable EIX trades, each at least EUR 250, in one month | FREE: EUR 5.94; PRIME+: EUR 4.99 subscription. | Six is the first whole-number monthly break-even point on these assumptions.Source 44 |
| Mostly small trades or ordinary Xetra/gettex dealing | Order charges persist in either model. | Compare actual venue use before valuing the subscription.Source 2 |
| Material cash balance | PRIME+ and FREE use different permitted cash allocations. | Read the protection section and actual bank allocation as well as the dealing tariff.Source 37 |
Products & platforms
Sections ↑Reference table04
Investable products and what is actually held
| Product | Structure and access | Main practical limitation |
|---|---|---|
| Shares and ETFs | Securities selected in the broker; recurring purchases available for eligible instruments. | An overseas listing does not imply direct access to its home exchange.Source 46Source 45 |
| Investment funds | Exchange-traded fund selection alongside ETFs. | Fund expenses remain; inspect individual cost disclosure.Source 46 |
| Bonds | Selected fixed-rate Goldman Sachs bonds; the current product page shows EUR 100 denominations. | This is a limited selection, distinct from bond ETFs. Check issuer credit, accrued interest and the live price.Source 47 |
| Derivatives | Issuer products from BNP Paribas, Goldman Sachs, HSBC, UniCredit, Morgan Stanley, Société Générale and Vontobel. | Knock-outs and other leveraged securities can lose their entire purchase value.Source 10 |
| Crypto exposure | Exchange-traded products referencing cryptocurrencies. | No direct coin wallet; exchange hours, issuer structure and recurring product costs apply.Source 11 |
| Currencies and commodities | Currency ETPs and commodity/precious-metal securities. | Currency exposure is through the instrument; this is not a rolling spot-FX account.Source 12 |
| Private equity | BlackRock Private Equity Fund, an ELTIF, ISIN LU2970811951. | EUR 10,000 initial investment and restricted redemption; see below.Source 26 |
Reference table05
Savings plans and fractional holdings
| Feature | Published operation | What to remember |
|---|---|---|
| Recurring investing | Eligible stocks, ETFs, crypto ETPs and funds can be saved into from EUR 1. | Check eligibility for the particular ISIN.Source 3 |
| Scheduling | ETF plans offer monthly, every-two-month, quarterly, half-yearly or yearly intervals and nine execution dates. | An annual percentage increase and cash/direct-debit funding can be selected.Source 45 |
| Fractional accumulation | Plans may acquire fractions and combine them into whole securities over time. | This does not create arbitrary fractional single-order dealing.Source 15 |
| Selling fractions | Use the full-position sale function to include the remainder. | Typing a decimal quantity may round down to whole units.Source 15 |
| Rights and transfer | Whole securities carry ownership rights; fractions are not transferable to another custodian. | A transfer does not automatically sell the remainder.Source 15 |
Platforms & products06
Platforms and information tools
| Tool | Verified scope | Boundary |
|---|---|---|
| Web and app | Portfolio access, orders, savings instructions and account administration. | Availability of an interface does not establish uninterrupted execution.Source 3 |
| Insights | Search and information assistant covering markets, securities, news, watchlists and alerts. | The service describes itself as information rather than personal advice.Source 19 |
| PRIME+ tools | Expanded portfolio analysis, comparisons, alerts and Smart Predict. | Forecast tools are not a guarantee that a limit order fills.Source 44 |
| Agentic Investing | MCP and CLI interfaces connect authorised external assistants with account information and dealing functions. | Orders require approval; payments remain in the app/web. Provider restrictions can limit functions.Source 20 |
The August 2026 agent-interface announcement describes authentication, pre-trade cost information and the normal transaction confirmations. This is a documented service capability, not an independently executed integration test. Any external assistant remains subject to its own permissions and rules.[21]
Fees & holding costs
Sections ↑Execution fees versus other costs
Pricing & charges07
Charges that survive the headline dealing price
| Charge layer | Published treatment | Where to inspect |
|---|---|---|
| Bid/ask spread | A market cost separate from the order fee. | Current quote and execution confirmation.Source 3 |
| Fund and ETP expenses | Ongoing product expenses may reduce instrument value. | KID, prospectus and pre-trade cost information.Source 11 |
| Crypto ETP markup | FREE 0.99%; PRIME+ 0.69%, including savings-plan executions. | Crypto cost disclosure; this is additional to any applicable dealing charge.Source 11 |
| Instant funding | FREE 0.99%; PRIME+ 0.69%, charged on up to EUR 5,000 per deposit. | Funding screen; excess above EUR 5,000 is not charged this percentage.Source 2 |
| Currency conversion | Foreign-currency proceeds converted to EUR using a buying/selling rate and possible adjustment. | Current conversion disclosure; the reviewed tariff does not give one universal percentage.Source 4 |
Reference table08
Special conditions are product-specific
| Instrument or service | Current published relief | Limit |
|---|---|---|
| PRIME ETFs | Eligible Amundi, iShares, Vanguard and Xtrackers purchases from EUR 250 on EIX have no order fee in FREE. | Sales, smaller orders and other venues do not inherit that exemption.Source 6 |
| PRIME derivatives | Named partner products on EIX/gettex: EUR 0 with PRIME+ from EUR 250; otherwise EUR 0.99. | Abnormally high derivative turnover can breach the special conditions.Source 6 |
| Goldman Sachs PRIME bonds | Published waiver of the bond spread surcharge. | Check the PRIME designation, not just the asset class.Source 6 |
| BlackRock PRIME ELTIFs | Published waiver of broker ELTIF surcharges and execution charge. | The fund’s own expenses remain; the waiver is changeable.Source 6 |
Pricing & charges09
Selected administrative charges
| Item | Published charge | Qualification |
|---|---|---|
| Securities transfer | EUR 0 | Third-party expenses may apply.Source 4 |
| Exercise of specified rights/derivatives | EUR 9.99 | Plus applicable third-party expenses.Source 4 |
| General-meeting admission card | EUR 9.99 | Includes VAT; possible additional third-party expenses.Source 4 |
| Change of custody location, country or form | EUR 24.99 | Plus applicable third-party expenses.Source 4 |
Pricing & charges10
Illustrative costs, excluding spread and investment performance
| Example | FREE | PRIME+ | Assumptions |
|---|---|---|---|
| EUR 1,000 EIX crypto ETP purchase | EUR 10.89 | EUR 6.90 plus subscription | EUR 0.99 + 0.99% versus EUR 0 + 0.69%; excludes product expenses.Source 11 |
| EUR 1,000 Instant deposit | EUR 9.90 | EUR 6.90 | Percentage applies to the deposit; ordinary bank transfer is a different method.Source 4 |
| EUR 5,000 EIX stock buy and later sale | EUR 1.98 | EUR 0 plus subscription | Both orders meet the EUR 250 threshold; no assumed price movement.Source 44 |
Cash yield and borrowing costs
Pricing & charges11
Cash and credit rates observed on 11 October 2026
| Balance or product | Published annual rate | Timing and condition |
|---|---|---|
| Broker settlement cash | 0% | Both current models.Source 7 |
| Separate Tagesgeld | 2.60% variable | From 1 September 2026; daily calculation, monthly credit.Source 7 |
| Approved Credit with PRIME+ | 3.75% variable | From 16 September 2026; daily accrual, quarterly debit.Source 7 |
| Approved Credit without PRIME+ | 4.75% variable | Only drawn borrowing incurs normal interest.Source 7 |
| Tolerated overdraft | 4.75% variable | Not a pre-approved borrowing entitlement.Source 7 |
Execution & trading rules
Sections ↑Trading & service hours12
Venue availability and hours
| Route | Weekday dealing hours | Order-entry availability outside dealing | Qualification |
|---|---|---|---|
| European Investor Exchange | 06:00–23:00 | Weekdays 05:30–02:30; weekends 09:00–19:00 | Order entry is not weekend execution.Source 9 |
| gettex | 07:30–23:00 | Weekdays 06:30–23:00 | Instrument-specific exceptions apply.Source 9 |
| Xetra | 09:00–17:30 | Weekdays 08:00–23:00 | The broker’s accessible session may differ from other Xetra services.Source 9 |
| Derivatives | Usually 08:00–22:00 | Instrument and issuer dependent | Consult the issuer’s trading calendar.Source 9 |
Reference table13
Order controls
| Instruction | Behaviour | Trade-off |
|---|---|---|
| Limit | Executes only at the chosen price or better. | May remain unfilled or fill partially.Source 13 |
| Stop | Becomes a market instruction when triggered. | Execution can be worse than the stop during a gap.Source 13 |
| Stop-limit | Becomes a limit instruction when triggered. | Provides a price condition, with non-execution risk.Source 13 |
| Market-style purchase | The broker applies an automatic protective limit. | It is not an unconditional purchase at any price.Source 14 |
| Take-profit / stop-loss | Conditional sale instructions can follow a purchase. | The service does not describe them as guaranteed stops.Source 13 |
| OCO | Not offered in the reviewed order-type page. | Entering a stop and a limit creates a stop-limit instruction, not OCO.Source 13 |
Limit, stop and stop-limit instructions are described as valid for 360 days. The public pages conflict on market-order validity and quote-buffer detail: the dedicated order-type page gives day validity for market sales, while another market-order page states 360 days. Confirm the actual expiry and limit shown on the ticket before submitting; this profile does not resolve that contradiction by guessing.[13][14]
Execution choices and exceptions
Reference table14
Operational points
| Situation | Published route | Practical implication |
|---|---|---|
| Choosing an ordinary venue | EIX, gettex or Xetra through the order interface. | Price, liquidity and fee can differ; lowest commission alone does not identify best total cost.Source 3 |
| Additional German venue | German tax residents can request a manual order through the authenticated contact form. | Frankfurt, Stuttgart and Tradegate are examples; market orders only and separate handling.Source 17 |
| Suspected incorrect execution | Contact service with ISIN/WKN, quantity, direction, transaction reference and venue. | Keep the confirmation and contemporaneous quote evidence.Source 18 |
| Repeated derivative turnover | Partner conditions target normal private investment activity. | Repeated breach may bring standard tariff charges, refusal of purchases or termination.Source 6 |
Deposits, withdrawals & transfers
Sections ↑Reference table15
Paying in and taking money out
| Method | Published timing | Important restriction |
|---|---|---|
| SEPA standard transfer | Usually one to two bank working days. | Use the verified reference account and the correct product IBAN.Source 23 |
| SEPA instant transfer | Generally seconds when supported. | This is distinct from the chargeable direct-debit-backed Instant service.Source 23 |
| SEPA direct debit | Booking can take up to five bank working days. | Withdrawals can be held for eight weeks because the debit can be reversed.Source 23 |
| Internal cash movement | Normally real time between supported Scalable accounts. | Move money to the relevant product before using it.Source 25 |
| Standard / instant withdrawal | Normally one to two bank days / seconds. | Only available, unrestricted cash can leave for the verified reference account.Source 23 |
Reference table16
Why the cash balance can exceed withdrawable money
| Cause | Effect | What resolves it |
|---|---|---|
| Unsettled securities sale | Proceeds can support reinvestment before withdrawal. | Normal securities settlement, described as two trading days.Source 16 |
| Savings-plan reservation | A forthcoming execution reserves available cash. | Completion or eligible amendment of the plan.Source 24 |
| Direct debit or Instant | Eight-week security restrictions may also affect derivative purchases. | Expiry of the holding period; review the displayed available amount.Source 24 |
| ELTIF purchase after direct debit | Those funds cannot be used for ELTIFs until eight weeks have passed. | A settled SEPA transfer is the provider’s recommended funding method.Source 27 |
Reference table17
Moving an existing portfolio
| Step or limitation | Published position | Customer action |
|---|---|---|
| Incoming request | Initiate digitally under Profile > Products > Securities transfer. | Do not rely on an independently initiated transfer from the old bank being accepted.Source 3 |
| Status and timing | The process can take several weeks. | After the old custodian has been contacted, ask it about outstanding delivery.Source 3 |
| Fractional remainder | Not transferred or automatically liquidated. | Plan separately for the remaining holding.Source 15 |
| Transfer costs | Scalable custody transfer fee is EUR 0; external expenses may remain. | Confirm position eligibility and tax-data delivery with both custodians.Source 4 |
Protection & regulation
Sections ↑The facts18
Legal entity and authority evidence
| Measure | Value | Context |
|---|---|---|
| Contracting entity | Scalable Capital Bank GmbH, Munich, Germany. | Source 36 |
| BaFin institution record | BaFin-ID 10141823. The named record, with data dated 9 October 2026, shows current banking and securities permissions from 10 September 2025. | Source 1 |
| Crypto permission scope | The BaFin record lists crypto advice from 2 March 2026. That is not evidence of direct cryptocurrency custody. | Source 1 |
| Independent institution record | ECB Part B supervised-entity list includes the bank with LEI 391200Y3EUNL4LTXRP94. | Source 41 |
| Register cutoff | 1 July 2026; list published 21 August 2026 and checked for this profile on 11 October 2026. | Source 41 |
| Interpretation | The LEI is an institution identifier, not a licence number. Part B is a list of less significant institutions; it does not establish direct ECB supervision of this bank. | Source 41 |
| Provider supervision statement | The bank names BaFin and Deutsche Bundesbank. That statement is distinguished from the independently inspected ECB list. | Source 37 |
Reference table19
Protection depends on the asset and where it sits
| Asset | Relevant arrangement | What it does not mean |
|---|---|---|
| Deposits at Scalable Bank | EdB protection normally up to EUR 100,000 per eligible depositor at that bank; balances aggregate. | Each product account does not receive a fresh independent EUR 100,000 limit.Source 40 |
| PRIME+ cash | Allocated across Scalable and partner banks; up to five bank limits may apply. | EUR 500,000 is not a universal single-bank guarantee or a promised fixed allocation.Source 37 |
| Cash without PRIME+ | May be held at banks and/or qualifying money-market funds, including solely one permitted destination. | A money-market fund allocation is not an insured bank deposit.Source 39 |
| Custodied securities | The client has a claim to return of securities outside the broker’s insolvency estate. | This is not insurance against price loss or an issuer default.Source 38 |
| Cash at partner banks | Each bank’s scheme, eligibility and aggregation rules apply. | Other deposits held at the same institution can use the same statutory ceiling.Source 5Source 40 |
Review the allocation displayed in the app/web and on statements, particularly if other savings are held at the same banks. Money-market fund safeguards concern separate fund assets and regulated management; their value can still change. The existence of bank supervision does not guarantee investment returns or immediate access during an operational problem.[38][39]
Opening an account & support
Sections ↑Reference table20
Opening and maintaining the account
| Stage | What the provider asks for | Practical detail |
|---|---|---|
| Eligibility | Adult, German residence, eligible SEPA current account and an EEA telephone number. | The ordinary adult process excludes US persons; children use a separate process.Source 22 |
| Identification | Online application and identification through POSTIDENT. | Acceptance and timing depend on completing the checks.Source 3 |
| Reference account | Verify by the initial bank transfer. | Verification does not guarantee approval.Source 3 |
| Security | Link the mobile device and use two-factor authentication. | Keep recovery access current before changing devices.Source 37 |
| Existing customer support | Profile > Support in app, or Support on web. | The provider prioritises authenticated requests.Source 35 |
Verified service routes
Customer supportWebsite
https://de.scalable.capital/kundenserviceSource 35
Scope Existing clients: authenticated app/web support; public help for prospective clients.
Access difficulty / no accountEmail
[email protected]Source 35
Scope Published fallback when an account cannot be accessed or has not been opened.
Published company telephoneTelephone
+49 89 215 292 721Source 36
Scope Number in the legal notice; no dedicated dealing or 24-hour service promise established.
Execution disputeEmail
[email protected]Source 18
Scope Provide transaction reference, instrument, size, direction and venue.
Service statusWebsite
https://status.scalable.capitalSource 35
Scope Status route linked from the official help centre; not a performance test.
For a delayed payment, retain the bank-transfer reference; for a transfer, retain both custodians’ references; for an order issue, retain the trade confirmation. These records allow a specific case to be investigated. No response-time, complaint-resolution or withdrawal-speed experiment was conducted for this profile.
Additional services
Sections ↑Reference table21
Separate savings products
| Product | Amount and term | Published interest treatment | Access |
|---|---|---|---|
| Tagesgeld | No advertised balance cap | 2.60% variable annually; monthly credit | Separate account with its own IBAN; cash remains accessible subject to restrictions.Source 7Source 25 |
| Festgeld: six months | From EUR 1 | 2.75% annually, fixed when opened | Locked for the chosen term; consult early-termination conditions.Source 8 |
| Festgeld: twelve months | From EUR 1 | 3.00% annually, fixed when opened | Interest paid at maturity.Source 8 |
| Festgeld: twenty-four months | From EUR 1 | 3.25% annually, fixed when opened | Up to five fixed-term accounts; bank allocation remains relevant.Source 8 |
Reference table22
Portfolio-backed Credit
| Feature | Published condition | Risk or boundary |
|---|---|---|
| Entry and maximum | From EUR 1,000 portfolio value; individual credit line up to EUR 250,000. | Approval and eligible collateral determine the actual amount.Source 29 |
| Collateral | Shares, ETFs and eligible funds: up to 75%; product-specific differences apply. | Derivatives, crypto ETPs and ELTIFs have a published 0% lending value.Source 30 |
| Using and repaying | Can fund trades or withdrawals; incoming cash and sales reduce borrowing. | No fixed instalment schedule; it is not a housing loan.Source 29 |
| Falling security value | Credit capacity can decline; a shortfall requires cash or asset sales. | The bank can demand repayment; no blanket negative-balance protection applies.Source 29 |
Reference table23
Private-equity access and liquidity
| Feature | BlackRock Private Equity Fund | Implication |
|---|---|---|
| Entry | EUR 10,000 initially; later additions from EUR 1; suitability assessment. | Different from a EUR 1 ETF savings entry point.Source 27 |
| Subscriptions | Monthly, with lead time; units booked about three weeks after execution. | It does not behave like a continuously traded share.Source 28 |
| Lock-up | No redemptions within the lock-up ending 30 June 2027. | Money required before then should not be treated as accessible.Source 28 |
| Later redemption | Generally quarterly, with fund-level limits of 5% NAV and 27.3% of liquid assets. | Requests can be reduced pro rata; a full payment on a chosen date is not guaranteed.Source 28 |
| Valuation and charges | Monthly NAV; fund management/performance expenses can apply. | A broker fee waiver does not remove underlying fund expenses.Source 26 |
Pricing & charges24
Private-equity fund fee outline
| Charge | Provider disclosure | Important condition |
|---|---|---|
| Management | 1.95% per year | Deducted from fund assets.Source 48 |
| Other ongoing expenses | Approximately 0.35% per year | Additional to management; the amount is an estimate.Source 48 |
| Performance participation | 12.5%, with a 5% annual hurdle | Determined at fund level; consult the prospectus for the complete calculation.Source 48 |
Reference table25
Managed investing and family services
| Service | What it adds | Charges and conditions |
|---|---|---|
| Scalable Wealth | Questionnaire-based managed portfolios, rebalancing, savings and withdrawal plans. | From EUR 20 monthly; separate management fee.Source 32 |
| Standard Wealth fee bands | 0.75% on first EUR 100,000;0.69% on next band to EUR 500,000;0.49% above. | Marginal bands plus ETF expenses; specific strategies can differ.Source 33 |
| Children’s accounts | Child aged 16 or younger at opening; every guardian needs a Scalable account opened in the same country. | The child owns the account, with guardian control until adulthood.Source 49 |
| Child benefits | Selected ETF TER reimbursements reinvested; Wealth management charge waived under current terms. | Product selection and promotions can change; fund costs can remain.Source 31 |
| Savings supporters | Invited family/friends can contribute through the published support arrangement. | Use the approved child-account workflow.Source 31 |
German tax documents and announced retirement offering
Reference table26
Administration and future products
| Area | Published service | Scope |
|---|---|---|
| Exemption instruction | Create/change the Freistellungsauftrag in the tax profile. | Online year-end deadline 31 December; paper instructions have an earlier deadline.Source 34 |
| Annual certificate | German customers with relevant transactions receive a tax certificate, normally by end-April of the following year. | Mailbox or applicable postal route; individual tax obligations can remain.Source 3 |
| Altersvorsorgedepot | Can be added in advance; provider plans the tax-supported product for 1 January 2027. | Treat as prelaunch at this review date, not as an already funded tax wrapper.Source 42 |
| Standard / self-directed retirement variants | Provider announced automatic allocation or self-selected eligible investments, with conditional ETF-cost bonuses. | Final eligibility, terms and bonus conditions govern; no personal subsidy amount assumed.Source 43 |
Company background & evidence
Sections ↑The facts27
Company and research context
| Measure | Value | Context |
|---|---|---|
| Business | Scalable Capital Bank GmbH, a German bank providing securities, savings, credit and management services. | Source 4 |
| Location and origin | Munich; founded in 2014 according to its legal notice. | Source 36 |
| Source hierarchy | Current pricing, September 2026 terms and specific help pages; separate ECB institution evidence. | Source 5Source 41 |
| Current architecture | This profile covers the bank’s current offering. Historical Baader-account pricing is not substituted for current terms. | Source 4 |
| Research date | 11 October 2026; source publication dates and the ECB cutoff remain separately identified. | Source 41 |
The profile distinguishes publicly documented functionality from measured service quality. Trade execution, device security, customer response and account-transfer completion were not tested with live funds. Where public pages disagree, the affected point is named rather than silently resolved.
Business contacts
Corporate and editorial contacts
Legal notice and addressWebsite
https://de.scalable.capital/impressumSource 36
Scope Seitzstraße 8e, 80538 Munich, Germany; corporate address, not a verified walk-in branch.
Press officeEmail
- Headquarters
- Munich, Germany
- Founded
- 2014
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
Scalable Capital Bank GmbH
| Issuer & identifier | Recorded status | Date & scope |
|---|---|---|
| Federal Financial Supervisory Authority10141823 | Authorised | Checked 11 Oct 2026BaFin institution record, data dated 9 October 2026, read on 11 October. Current deposit-taking, custody, securities commission business and lending permissions are shown from 10 September 2025. Crypto advice appears from 2 March 2026; this does not establish direct crypto custody.Source 1 |
Additional Information
Sections ↑Reference table28
Before relying on a quoted condition
| Check | Why it matters |
|---|---|
| ISIN, venue and order value | These determine eligibility for the advertised dealing exemption.Source 6 |
| Product cash account | Settlement cash and Tagesgeld have different published interest rates.Source 7 |
| Actual cash allocation | Insurance follows the bank and depositor; funds use a different protection structure.Source 40Source 39 |
| Order expiry and price condition | The reviewed market-order FAQs contain conflicting detail; inspect the live ticket.Source 13Source 14 |
| Liquidity deadline | Direct-debit holds, settlement and the ELTIF lock-up prevent treating all balances as cash on demand.Source 24Source 28 |
| Pre-trade cost disclosure | Partner waivers and subscription pricing do not cover every product expense.Source 6 |
This is a product and service reference for the specified German offering. It does not rank future returns, estimate personal tax savings, or turn published protection limits into an assurance that an investment cannot lose value.
Sources & further reading
- BaFin named institution record: Scalable Capital Bank GmbH Federal Financial Supervisory Authority · Accessed 11 Oct 2026
- German FREE and PRIME+ pricing Scalable Capital · Accessed 11 Oct 2026
- German broker product and operational overview Scalable Capital · Accessed 11 Oct 2026
- Client terms and tariff, September 2026 Scalable Capital · 1 Sep 2026 · Accessed 11 Oct 2026
- Current customer documents and bank depositor sheets Scalable Capital · Accessed 11 Oct 2026
- Current PRIME partner and product special conditions Scalable Capital · Accessed 11 Oct 2026
- Current interest and borrowing-rate history Scalable Capital · Accessed 11 Oct 2026
- German fixed-term savings Scalable Capital · Accessed 11 Oct 2026
- Venue trading and order-entry hours Scalable Capital · Accessed 11 Oct 2026
- Derivative range and July 2026 venue-fee changes Scalable Capital · 8 Jul 2026 · Accessed 11 Oct 2026
- German crypto ETP service Scalable Capital · Accessed 11 Oct 2026
- Foreign-exchange ETP service Scalable Capital · Accessed 11 Oct 2026
- Order types and conditional-order rules Scalable Capital · Accessed 11 Oct 2026
- Specific market-order help page Scalable Capital · Accessed 11 Oct 2026
- Fractional savings holdings and rights Scalable Capital · Accessed 11 Oct 2026
- Sale proceeds: reinvestment versus withdrawal Scalable Capital · Accessed 11 Oct 2026
- Authenticated manual orders for German tax residents Scalable Capital · Accessed 11 Oct 2026
- Reporting a suspected execution error Scalable Capital · Accessed 11 Oct 2026
- Insights search and information assistant Scalable Capital · Accessed 11 Oct 2026
- German Agentic Investing service Scalable Capital · Accessed 11 Oct 2026
- Agentic Investing announcement, 25 August 2026 Scalable Capital · 25 Aug 2026 · Accessed 11 Oct 2026
- Account-opening eligibility Scalable Capital · Accessed 11 Oct 2026
- Payment methods and withdrawal holding periods Scalable Capital · Accessed 11 Oct 2026
- Available cash, reserved savings and funding restrictions Scalable Capital · Accessed 11 Oct 2026
- Funding the separate overnight account Scalable Capital · Accessed 11 Oct 2026
- BlackRock Private Equity Fund product Scalable Capital · Accessed 11 Oct 2026
- ELTIF investment requirements Scalable Capital · Accessed 11 Oct 2026
- ELTIF subscription and redemption mechanics Scalable Capital · Accessed 11 Oct 2026
- German portfolio-backed Credit Scalable Capital · Accessed 11 Oct 2026
- Credit collateral ratios Scalable Capital · Accessed 11 Oct 2026
- German children’s account range Scalable Capital · Accessed 11 Oct 2026
- Managed investment service Scalable Capital · Accessed 11 Oct 2026
- Managed portfolio cost bands Scalable Capital · Accessed 11 Oct 2026
- German exemption-order administration Scalable Capital · Accessed 11 Oct 2026
- Customer-support access and fallback email Scalable Capital · Accessed 11 Oct 2026
- Legal notice and corporate contacts Scalable Capital · Accessed 11 Oct 2026
- Security and prudential-supervision disclosure Scalable Capital · Accessed 11 Oct 2026
- Custody and insolvency explanation Scalable Capital · Accessed 11 Oct 2026
- Qualifying money-market fund cash custody Scalable Capital · Accessed 11 Oct 2026
- Scalable Bank depositor information sheet Scalable Capital · Accessed 11 Oct 2026
- ECB supervised-entity list, cutoff 1 July 2026 European Central Bank · 21 Aug 2026 · Accessed 11 Oct 2026
- German retirement-account prelaunch product page Scalable Capital · Accessed 11 Oct 2026
- Self-directed retirement product announcement Scalable Capital · 9 Oct 2026 · Accessed 11 Oct 2026
- PRIME+ tools and plan administration Scalable Capital · Accessed 11 Oct 2026
- ETF savings-plan scheduling Scalable Capital · Accessed 11 Oct 2026
- Eligible securities selection Scalable Capital · Accessed 11 Oct 2026
- Selected direct bond offering Scalable Capital · Accessed 11 Oct 2026
- BlackRock Private Equity Fund fee outline Scalable Capital · Accessed 11 Oct 2026
- Child account age and guardian requirements Scalable Capital · Accessed 11 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.