Scalable Capital Omdömen 

Die Einrichtung hat zu lange gedauert (weil das Online Postidentverfahren trotz Hinweis der falschen PLZ) nicht korrekt durchgeführt wurde.

I signed up through the FinanzflussBonus promotion and met every single qualifying condition. The bonus never arrived. What followed has been three months of the most brazenly evasive handling I have ever experienced from a regulated financial institution.
April 2026: I contacted support. Their answer? Go ask Finanzfluss.
This is where it becomes insulting. I read Scalable Capital’s own Teilnahmebedingungen — the terms they wrote, published, and are bound by:
• Section 4 (Ausschüttung der Prämie) states the bonus is automatically credited (automatisch ausgezahlt) to the Verrechnungskonto by Scalable Capital.
• Section 8 (Datenschutz) states that Scalable Capital processes personal data for the Durchführung und Abwicklung of this specific promotion.
Finanzfluss supplied a partner link. That is the entirety of their involvement. They cannot see my trade history. They cannot see my account status. They have no authority whatsoever to move money into my Verrechnungskonto — an account Scalable Capital itself operates. Redirecting me to them wasn’t an honest mistake. It was a deflection, and Scalable Capital’s own contract exposes it as nonsense.
I sent them exactly this, quoted their own terms back to them, and asked for a proper review.
Since then: nothing. Not one substantive word. Every month, without fail, the identical copy-pasted email arrives:
“We would like to inform you that our specialist department is still working on resolving your request. We understand how important this matter is to you, and we are doing everything we can to find a solution as quickly as possible.”
They do not understand how important it is. If they did, three months would not have passed. This is not a specialist department working toward a solution — it is an automated holding pattern designed to run out the clock until the customer gives up. It is now July. Three months, three identical emails, zero actual human beings.
Ask yourself what this tells you as a prospective customer. A company that will not honour a bonus defined in plain language in its own written terms — a payment it is contractually obliged to make automatically — is telling you precisely how it will behave when something bigger goes wrong. If they stonewall over a marketing promotion, what exactly do you think happens when there is a real problem with a real position?
I hold a substantial portfolio with Scalable Capital. Not for much longer. The moment this matter is closed, every euro moves to another broker and this account gets deleted. I will not leave serious money with a company that treats its own contractual obligations as optional and its customers as an inbox to be managed rather than people to be answered.
Avoid.

Meine Erfahrung war sehr gut. Ich finde es ist alles sehr verständlich und einfach auch wenn es für mich eine völlig neue Welt ist.

The Onboarding experience was very bad as it took nearly 3-4 weeks in total. Document verification process is very very slow, and if you contact them you get reply in weeks.

So far the only problem I had was the nightmarish signup process as an expat, which gave me a taste of Scalable Capital's customer service. Going through the identification process is one thing (still, less smooth than for locals) but the real challenge begins once you are asked to go through the 'Proof of address' process. This only affects expats who don't have citizenship and as a result no local ID in the country where they signed up for Scalable Capital.. for me the process involved uploading three different documents and the waiting time between each upload took multiple days. As a result, my onboarding process took 11 days. After this, getting started with my account and migrating my assets was a surprisingly smooth experience.

Easy onboarding by showing I'd card at post office. Easy to purchase etfs and stocks in euros.

Tagesgeldkonto beantragt und dies auch ganz klar kommuniziert. Bekomme Brokerkonto "auf's Auge gedrückt", das ich nicht beantragt habe und nicht benötige - dort gibt es natürlich keine Zinsen. Niemand von Scalable hat es nötig, mich darauf aufmerksam zu machen. Erfahre es erst nach Rückfrage, weil entgegen monatlicher Zinsgutschrift, mit der geworben wird, nichts gutgeschrieben wird. Sind auch nicht bereit, ihren fehlenden Kundenservice durch Erstattung der entgangenen Zinsen wettzumachen. - Nicht empfehlenswert

Bis jetzt ein sehr guter Start ins investieren.

Wenn Sie die 2,5% Zinsen auf Tagesgeld angelockt haben, achten Sie darauf, dass das von Ihnen eröffnete Konto kein Broker-Konto mit 0% Zinsen ist. Sollten Sie 4 Wochen nach Ihrer ersten Einzahlung keine Zinsen erhalten, müssen Sie etwas ändern.

Auf dem Weg zu Scalable sind von mir mehrere 100.000 EUR verloren gegangen. Service dort gleich NULL. Telefonservice kann leider nichts machen, nur intern alles weitergeben. Nach einer Woche (Geld ist an die Sparkasse zurückgesendet worden, weil die Deutsch Bank das Geld zwar angenommen hat, Salable aber eine Eilüberweisung (keine Echtzeitüberweisung) nicht angenommen hat. Nach über einer Woche kommen nun von Scalable zwar Entschuldigungen, aber siriös ist das in meinen Augen alles nicht. Mein Geld vertraue ich Scalable jedenfalls nicht mehr an.

The onboarding process is streamlined and works well. There was just an issue with what document is needed as proof of address. The application is fine except that it is a bit confusing what account you need to receive the steady interest. The interest rate is the best in its category.

I have been a Scalable Capital customer for several years. One of the main reasons I chose the platform was the quality of its customer service, as I could easily reach a support representative whenever I needed assistance.

Recently, I contacted customer support to resolve an issue and was directed to the AI chatbot. In my case, the chatbot was unable to resolve my problem. Instead, it generated a suggested email for me to send to customer support, so I still had to contact them by email to seek assistance.

Compared with my earlier experiences, I found the support process much less helpful. When dealing with investments, I value being able to speak with a person when an issue cannot be resolved automatically. Based on this experience, I no longer have the same confidence in the level of customer support that originally led me to choose Scalable Capital.

Sehr imübersichtlich.

Easy to use app, good and clear overview.

Alles super wniger gebühren als alle anderen und sicher

Ich bin hochzufrieden

La migliore app per investire e con i costi più competitivi e servizi di supporto eccellenti

Keine Hilfe bei Zugangsproblemen, komplizierte Erklärungen, das ist keine Bank, bei Wertpapierverkäufen ist das Geld für zwei Tage verschwunden, als kein Wiederkauf der Papiere mit diesen Geld kurzfristig machbar, für Hobby-Anleger vielleicht geeignet, für Profis nicht professionell genug, bei Trade Republik ist man besser aufgehoben.

Habe einen Depotübertrag von einem ca. 10 Jahre alten Depot von Flatex zu Scalable gemacht. Einen Monat danach kommt eine Mail (kein Brief) von Scalable (dachte zuerst an Betrugsmail, aber nein sie ist tatsächlich von Scalable). Darin will Scalable haargenau wissen wo ich mein Geld für diese Aktien im Depot eigentlich her hatte, die man vor vielen Jahren gekauft hat. Sie wollen mehrere Gehaltsbescheinigungen oder Erbschaftsurkunden oder Kaufverträge oder Schenkungsurkunden oder etc. sonst beenden sie die Geschäftsbeziehung. Ich würde es ja verstehen wenn ich die Summe direkt eingezahlt hätte aber bei einem Depotübertrag ist das nicht nachvollziehbar. Habe so erwas noch nie von einer Depotbank nach einem Depotübertrag erlebt. Da ihnen die gerichtlichen Unterlagen über den legalen Erwerb meines Vermögens nicht reichten habe ich nun alles bei Scalable gekübdigt.

Requested a financial status through the app — it never arrived. Retried a few times and got locked out with a "daily limit of requests reached" error, so now I can't even try again.
On top of that, reaching a real human was unnecessarily hard. The in-app chatbot kept blocking me from getting to customer service, and only let me through after I explicitly said it was urgent. For a financial provider, this is not acceptable. One star.
To make matters worse, customer service never replied. The lesson I learned today: move away from Scalable Capital quickly — because what if this had been a serious matter that needed immediate customer support?