What does Scalable Capital cost?

On the example I use everywhere on this site, €300 a month into one euro-listed ETF, Scalable Capital works out at €0 a year. That's the free or near-free savings-plan route. Your own pattern changes the number: the Broker Bill prices your buy, your pot and your country.

Is Scalable Capital safe?

It's a regulated firm you can verify in its regulator's public register. If it failed, the backstop is the German EdB: 90% up to €20,000 (securities shortfalls; segregation first). That protects against the firm failing, not against your funds falling in value. The fine print above names the exact entity you'd contract with.

The broker guide

Scalable Capital.

What Scalable Capital really costs a monthly index buyer, what protects your money, who does your tax paperwork, and what leaving costs. From its own price sheet, dated, with no affiliate link anywhere on the page.

Every figure verified against the brokers’ own price sheets: July 2026. Fee schedules reprice mid-year. If that date looks old, check the price sheet before acting.

What Scalable Capital costs, on the example

The bill this year

€0

Twenty years of it

≈ €0

The example pattern: €300 a month, no pot, a euro-listed fund. Your pattern is different: run yours through The Broker Bill

where that sits among the nine

The facts

Available in6 countries, on its published list
The monthly buy€0 · savings plan
Recurring€0/yr
Conversion— · euro funds only
Savings planautomatic · fractions
ProtectionGerman EdB: 90% up to €20,000 (securities shortfalls; segregation first)
The cashCash sits at Scalable Capital Bank and partner banks: €100,000 statutory deposit guarantee per client per bank; on the free tier it can also sit in money market funds, which are fund units, not a guaranteed deposit.
Does your taxes inGermany
The exitTransfer out free (plus any third-party costs); savings-plan fractions can't travel: they're sold and credited.

The honest note

Munich's answer, and since late 2025 a full bank with an ECB licence. Savings plans are free from one euro, fractions ride along inside them, and there's no CFD wing anywhere on the platform — rare on this list. The catches are reach and structure: it serves only six countries, it withholds tax for Germans only, and the free tier's economics lean on a subscription upsell and a trading venue it co-owns. One more thing that belongs in the open: the most-cited ETF comparison site in Europe is its subsidiary, worth remembering wherever you see its name recommended.

the fine print

Who you deal with

Scalable Capital Bank GmbH, Munich: ECB-authorised bank, supervised by BaFin

The route

Savings plan, free, from €1; every ETF, both tiers. Manual orders €0.99 on EIX/gettex under €250 (gettex moves to €1.99 from September 2026).

The plan

Free savings plans from €1, every ETF; fractions ride along inside plans only: a manual order buys whole units.

The cash

Cash sits at Scalable Capital Bank and partner banks: €100,000 statutory deposit guarantee per client per bank; on the free tier it can also sit in money market funds, which are fund units, not a guaranteed deposit.

The taxes

Withholds tax for clients taxable in Germany only; everywhere else the paperwork is yours. Its own requirements page says so.

The exit

Transfer out free (plus any third-party costs); savings-plan fractions can't travel: they're sold and credited.

Where it operates

It advertises accounts in these countries, on its published list:

Germany
Austria
Italy
Spain
France
Netherlands

Compare Scalable Capital head to head

The same bill and the same facts, next to another broker:

Scalable Capital vs Trade Republic

Compare any two, side by side

First broker

Second broker

Compare

Sources: check it yourself

Keep it honest

Know a figure here that's wrong or out of date? Point me to the line and a source. Every correction gets checked before the next refresh. That's how this page stays right.

Report a correction

Common questions

What does Scalable Capital cost?: On the example I use everywhere on this site, €300 a month into one euro-listed ETF, Scalable Capital works out at €0 a year. That's the free or near-free savings-plan route. Your own pattern changes the number: the Broker Bill prices your buy, your pot and your country.
Is Scalable Capital safe?: It's a regulated firm you can verify in its regulator's public register. If it failed, the backstop is the German EdB: 90% up to €20,000 (securities shortfalls; segregation first). That protects against the firm failing, not against your funds falling in value. The fine print above names the exact entity you'd contract with.
Does Scalable Capital do my tax paperwork?: Partly. Withholds tax for clients taxable in Germany only; everywhere else the paperwork is yours. Its own requirements page says so. Rare on this list: most of the nine leave the filing entirely to you.
Can I set up automatic monthly investing with Scalable Capital?: Yes. Free savings plans from €1, every ETF; fractions ride along inside plans only: a manual order buys whole units.

What to hold in it

The broker is half the decision. Which fund to hold in it is the other half, and the gap between two ETFs on the same index is real money: The Tracking Gap

The broker guide: all nine, and your bank The Broker Bill: price your own pattern

No affiliate links: no broker pays me, and none of them knows it's on this page. The order is arithmetic, not sponsorship.

Education, not advice. Fee schedules change and brokers reprice. Check the current price sheet before you open anything. Which broker suits you also depends on your country and your tax situation; I'm not a licensed adviser, happily.

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How the sessions work

Ninety minutes, online, €600. The Exit Audit included.