Scalable Capital Erfahrungen 2026: Gebühren, Zinsen und neue Bank im Test
Key takeaways
- Scalable Capital besitzt seit 2026 eine eigene Banklizenz für besseren Einlagenschutz
- Free Broker ermöglicht kostenfreie ETF-Sparpläne und günstige Orders
- PRIME+ Flatrate lohnt sich ab etwa 6 Trades im Monat durch fixe Monatsgebühr
- Angebot umfasst Aktien, ETFs, Krypto-ETPs und Private Equity
- Depotmigration 2026 erfordert besondere Steuerprüfung bei Bestandskunden
## Overview of Scalable Capital in 2026
Scalable Capital is a leading digital investment platform that, as of 2026, operates with its own banking license, improving security through enhanced deposit protection. This test evaluates the Free Broker and PRIME+ options, fees, interest rates, investment offerings including ETFs, stocks, crypto-ETPs, and recent changes like depot migration and tax implications. For more detailed information and a bonus registration link, visit Geldaura's site.
## Scalable Capital’s Transition to a Full Bank
In 2026, Scalable Capital transitioned from a fintech to a fully licensed bank, meaning client deposits are now protected under the German deposit guarantee scheme up to €100,000. This shift significantly enhances investor safety and trust compared to previous years when Scalable operated solely as a broker.
## Free Broker vs. PRIME+ Pricing and Benefits
Scalable Capital offers two main account types:
- Free Broker: No monthly fee; suitable for investors with few trades. It features free ETF savings plans and low-cost stock and ETF orders, with fees starting from €0.99 per trade.
- PRIME+: A flat-rate monthly fee (€4.99) that includes unlimited free orders in German stocks and ETFs. This plan becomes cost-effective for users executing roughly six or more trades monthly.
Video: Scalable Capital Test 2026: Gebühren, Zinsen & neue Bank
Both accounts provide access to a broad range of securities, but PRIME+ is tailored for active traders seeking to optimize costs. The choice depends largely on trading frequency and portfolio strategy.
## Investment Offerings: Beyond ETFs and Stocks
Scalable Capital’s platform supports a diverse investment universe:
- Fractional shares for stocks and ETFs, enabling diversified allocations with minimal capital.
- ETF savings plans with over 1,000 ETFs available for cost-efficient long-term investing.
- Crypto exchange-traded products (ETPs) allowing exposure to digital assets without direct crypto wallets.
- Private Equity investments for qualified investors seeking alternative assets.
This variety positions Scalable Capital as a versatile broker suitable for both conservative and more adventurous investors.
## Fees, Interest Rates, and Hidden Costs
While the Free Broker plan offers zero monthly fees, individual trades incur small commissions, and currency conversion fees apply for non-euro securities. PRIME+ requires a fixed monthly fee but eliminates per-trade commissions on included securities.
Interest rates on cash balances are generally low, reflecting market conditions, but Scalable Capital also provides some interest benefits on deposited funds via its banking license. Users should monitor changes in fees and rates, as these may adjust with market trends.
## Depot Migration and Tax Considerations in 2026
In 2026, Scalable Capital migrated many customer portfolios to its bank infrastructure. Customers should review their account statements carefully for any tax implications, especially regarding the 2025 special tax cases related to capital gains.
Investors are advised to consult tax professionals or use Scalable Capital’s reporting tools to ensure compliance and optimize tax outcomes.
## Useful Links
- Geldaura: Independent financial tests and broker reviews
## Conclusion
Scalable Capital’s 2026 offering impresses with improved security from its bank license, flexible pricing models through Free Broker and PRIME+, and a broad asset selection including ETFs, stocks, crypto-ETPs, and private equity. The PRIME+ subscription is beneficial for active traders, while the Free Broker suits infrequent investors. Depot migration and tax changes require attention from existing clients. For a comprehensive and independent analysis, the Geldaura channel provides valuable insights and updates.
Visit Geldaura to explore detailed tests and register for Scalable Capital with exclusive benefits.
Questions & answers
What advantages does Scalable Capital's banking license provide?
The banking license enables Scalable Capital to offer enhanced deposit protection under the German deposit guarantee scheme, securing client funds up to €100,000, which increases safety compared to previous fintech-only status.
When does the PRIME+ plan become cost-effective?
PRIME+ becomes cost-effective for investors making approximately six or more trades per month, as its fixed monthly fee covers unlimited free trades on German stocks and ETFs, reducing overall costs for frequent traders.
What types of investments are available on Scalable Capital?
Scalable Capital offers a wide range of investment options including fractional shares of stocks and ETFs, extensive ETF savings plans, crypto exchange-traded products (ETPs), and private equity investments for qualified investors.
What should existing customers be aware of regarding depot migration?
Customers who had their portfolios migrated in 2026 should carefully check their account statements and tax documents, especially due to 2025 tax special cases, to ensure proper tax reporting and compliance with new regulations.
Source: Scalable Capital Test 2026: Gebühren, Zinsen & neue Bank · Markdown version