Scalable Capital

Broker or investment firm · Munich, Germany

Scalable Capital is a Munich investment platform that runs a discount broker and a discretionary portfolio service for private individuals in six European countries. Its banking arm, Scalable Capital Bank GmbH, received a full credit institution authorisation from the European Central Bank on 10 September 2025 and now takes deposits and lends against portfolios. For businesses the answer is short: Scalable states plainly that a business account cannot be set up and that custody accounts for legal entities such as a GmbH, Ltd or LLC are not supported. Companies looking for an operating account, cards, payments or foreign exchange will find none of it here.

Legal name: Scalable Capital Bank GmbH
Regulated by: European Central Bank (credit institution authorisation, September 2025), BaFin (Germany), Deutsche Bundesbank
Licence confirmed: yes, on a regulator's own list
Established: 2014
Website: de.scalable.capital

Scores, 0 to 10

6.5Customer satisfaction

Trustpilot rates Scalable Capital 3.9 out of 5, described on the page as Great. · source

6.0Financial strength & stability

A CRR credit institution supervised by BaFin and the Bundesbank with EUR 470 million of equity raised and about EUR 60 billion of client assets, but no public rating and no published balance sheet. · source

5.0Best interest on business balances

The Overnight account pays 2.60% a year on unlimited cash with monthly payouts and fixed-term savings reach 3% for 24 months, but only a private individual can hold it. · source

4.0Lowest fees

PRIME+ costs EUR 4.99 a month with no commission on trades of EUR 250 or more and the FREE plan charges EUR 0.99 a trade, but these are retail brokerage prices and no business account exists to price. · source

3.5Europe (EU, EEA, Switzerland)

Holds an ECB credit institution licence and serves residents of six EU countries, but opens no accounts for legal entities, so a European company cannot bank here at all. · source

3.5Fast digital onboarding

Opening is fully online with an electronic ID check, yet only for private individuals over 18 resident in one of six countries who are not US taxpayers. · source

3.0Bitcoin

Individual clients can buy bitcoin price exposure through physical ETPs such as CoinShares Physical Bitcoin from EUR 1 with a 0.99 percent crypto spread surcharge on the free plan; there is no spot bitcoin, no transfers and no company account. · source

3.0Ethereum

Ether exposure comes only through ETPs such as Bitwise Physical Ethereum, some with staking returns of 3 to 5 percent a year paid inside the product, for individual clients only; no spot ether or transfers, checked September 2026. · source

2.0Crypto-friendly bank

There are no business accounts of any kind, so no crypto firm can be onboarded; retail clients can only buy exposure to 32 cryptocurrencies through exchange traded products. · source

1.5Business cards (Visa, Mastercard)

No business cards, because no account can be opened for a legal entity in the first place. · source

1.5Foreign-owned & non-resident companies

The service is offered only to persons residing in Germany, Austria, Italy, France, Spain or the Netherlands, and the applicant must not be a US taxpayer. · source

1.5High-risk verticals (iGaming, cannabis, adult, forex)

Gambling, cannabis, adult and forex operators cannot be served for the simple reason that no company of any kind can open an account. · source

1.0Cross-border payments, FX and multi-currency accounts

Accounts are euro only and orders run on gettex, Xetra and the European Investor Exchange; Scalable offers no multi-currency account and no international payment product. Single currency, no accounts for legal entities, no cash pooling, no host to host connection and no hedging. · source

1.0Fintech companies that need a partner bank

Scalable does not open accounts for legal entities, so safeguarding accounts, sponsor banking and rail access for payment firms are not available. · source

1.0Online businesses: e-commerce and SaaS

No acquiring, no collection accounts, no merchant payouts, and no account for the trading company behind a shop. A software company cannot open an account; there are no receiving accounts, no accounting integrations and no revenue based financing. · source

1.0Startups & VC-backed companies

Custody accounts for a GmbH, Ltd or LLC are not supported, so a startup cannot hold its money here whatever stage it is at. · source

1.0Trade, manufacturing & import-export

No letters of credit, guarantees, documentary collections or supply chain finance; the product set is brokerage, savings and portfolio lending. · source

1.0Crypto wallet and custody for a business

Scalable Capital holds no coins for anyone: its crypto offer is 32 exchange traded products with custody at the ETP issuers, and its help centre says accounts for a GmbH, Ltd or LLC are not supported; its March 2026 MiCA entry covers crypto advice only, not custody. · source

1.0Accept crypto payments

Scalable Capital is a retail broker and bank with no merchant or acquiring product, so there is no crypto acceptance, checked September 2026. · source

1.0On-ramp: buy crypto with fiat

A company cannot open an account at all, and even for individuals withdrawals go only to the client's own reference account, so no money can be sent from Scalable to an exchange; this is a product limit, not a crypto-specific block. · source

1.0Off-ramp: crypto to fiat in a business account

Scalable accepts incoming transfers only from an account registered in the client's own name and rejects deposits it cannot attribute to the client, so exchange proceeds cannot arrive directly, and there are no business accounts to receive them. · source

1.0Stablecoins (USDC, USDT and others)

The 32 crypto ETPs on offer track volatile coins and none holds a stablecoin; Scalable offers no stablecoin holding, payouts or conversion, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.