Scalable Capital

Germany Investing & brokers

Munich-based digital investment platform with €30 billion in assets under management. Offers robo-advisor, self-directed broker, and banking services. ECB banking licence received in 2025. Active in Germany, Austria, France, Italy, Spain, and the Netherlands.

Quick facts

Headquarters Munich, Germany
Company Scalable Capital GmbH
Founded 2014
Ownership VC-backed
Hosting 🇩🇪 Germany, EU
Infrastructure Mixed infrastructure
Data jurisdiction EU
Open source No
GDPR Compliant
Pricing Freemium · from Free
Free tier Yes
Platforms iOS, Android, Web
Languages
ENDEFRESITNL
65 · Mostly European
Start investing

Why does it score 65?

Legal jurisdiction
EU member-state HQ
30/30
Ownership & control
VC-backed, no non-EU parent
15/25
Data sovereignty
Mixed infrastructure
12/30
Accountability & trust
GDPR compliant
8/15
EuroPoints total
65/100
How we calculate EuroPoints →

See how they compare

Scalable Capital
Trade Republic
Bitpanda
EuroPoints
65 Mostly European
65 Mostly European
65 Mostly European
Legal jurisdiction
EU member-state HQ30/30
EU member-state HQ30/30
EU member-state HQ30/30
Ownership & control
VC-backed, no non-EU parent15/25
VC-backed, no non-EU parent15/25
VC-backed, no non-EU parent15/25
Data sovereignty
Mixed infrastructure12/30
Mixed infrastructure12/30
Mixed infrastructure12/30
Accountability & trust
GDPR compliant8/15
GDPR compliant8/15
GDPR compliant8/15
Independence bonus
—
—
—
Headquarters
Munich, Germany
Berlin, Germany
Vienna, Austria
Founded
2014
2015
2014
Open source
No
No
No
Infrastructure
Mixed infrastructure
Mixed infrastructure
Mixed infrastructure
GDPR
✓
✓
✓
Free tier
✓
✓
✓
Pricing
Freemium · from Free
Freemium · from Free
Freemium · from Free
Platforms
iOS, Android, Web
iOS, Android, Web
iOS, Android, Web
Languages
en, de, fr, es, it, nl
en, de, fr, es, it, nl, pl, pt
en, de, fr, es, it, nl, pl, pt

What does it replace?

Robinhood

More European Investing & brokers alternatives

#1

Trade Republic

65 · Mostly European

Germany EU

German neobroker and licensed bank headquartered in Berlin. 8 million users across 17 European countries, €100 billion in assets. Commission-free trading of stocks, ETFs, bonds, and crypto. Full ECB banking licence since 2023. €12.5B valuation, Europe's most valuable startup.

See Trade Republic details
#2

Bitpanda

65 · Mostly European

Austria EU

Vienna-based multi-asset investment platform founded in 2014. 7.4 million registered users, €371M revenue in 2025. MiCA-licensed for crypto in Europe. Trade stocks, ETFs, crypto, and precious metals on a single regulated European platform.

See Bitpanda details
#3

DEGIRO

83 · Strongly European

Germany EU

Dutch-founded broker, now operating as DEGIRO within BaFin-regulated flatexDEGIRO Bank AG. Europe's leading retail broker with 3M+ customers across 15 European countries and access to 50+ exchanges at some of Europe's lowest trading fees.

See DEGIRO details