Radar / Bank
Scalable Capital
Bank Germany de.scalable.capital ↗
Reviewed 2026-10-21
Our verdict
Be careful
Some important points are unclear or concerning.
- Media reports mention platform outages in April 2025. German courts ordered damages over a past data leak (LG München I, Dec 2021; LG Köln). Scammers also impersonate …
- Customer reviews and a Stiftung Warentest report cite problems with depot transfers, missing purchase prices after the platform migration, outages and poor support. …
What should I do?
- Check the licence yourself in the official register of the country where it operates.
- Start small – never send more than you can afford to lose.
- Keep screenshots of all payments and conversations.
Based on public sources at the date of review. Not a finding that the company acted unlawfully; the company can respond below.
About
Scalable Capital is a Munich-based digital broker, robo-advisor and bank founded in 2014. Scalable Capital Bank GmbH was authorised by the ECB on 10 September 2025 for deposit and lending business and is a CRR credit institution supervised by BaFin and the Deutsche Bundesbank. Scalable Capital GmbH is separately authorised as an investment firm. Per Wikipedia, it served over one million clients in August 2026 and was active in Germany, Austria, France, Italy, Spain and the Netherlands. In October 2026 it announced an Austrian bank branch.
Read more
Scalable Capital is a Munich-based digital broker, robo-advisor and bank founded in 2014. Scalable Capital Bank GmbH was authorised by the ECB on 10 September 2025 for deposit and lending business and is a CRR credit institution supervised by BaFin and the Deutsche Bundesbank. Scalable Capital GmbH is separately authorised as an investment firm. Per Wikipedia, it served over one million clients in August 2026 and was active in Germany, Austria, France, Italy, Spain and the Netherlands. In October 2026 it announced an Austrian bank branch.
The full check
🪪LicenceLicensing & registrationOK
Multiple independent sources report that Scalable Capital Bank GmbH has held an ECB full banking licence since 10 September 2025 and is supervised by BaFin and the Bundesbank. The official BaFin register entry was not directly checked.
👥Who owns itOwnership & controlOK
Company is privately held; reviews name Tencent (largest shareholder) and BlackRock as investors. It reportedly raised a €155m round in June 2025. Registered in Munich (HRB 217778). Directors not verified from the register.
🏦Where your money goesBanking & payment chainOK
Custody was previously held at Baader Bank. Since late 2024 depots have been run on the group's own platform, now under its own regulated bank. Deposits are covered by the German statutory deposit guarantee up to €100,000.
⚖️Regulator actionsRegulatory actionsNot checked yet
Not yet assessed.
📰News & reputationAdverse media & OSINTCaution
Media reports mention platform outages in April 2025. German courts ordered damages over a past data leak (LG München I, Dec 2021; LG Köln). Scammers also impersonate the brand on messaging apps.
💬Customer experienceCustomer conductCaution
Customer reviews and a Stiftung Warentest report cite problems with depot transfers, missing purchase prices after the platform migration, outages and poor support. BaFin recorded a general rise in broker complaints. No pattern of withheld funds was found.
How we rate: methodology.
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Licences & registrations
| Regulator / register | Type | Number | Status |
|---|---|---|---|
| ECB / BaFin / Deutsche Bundesbank | CRR credit institution (full banking licence), Scalable Capital Bank GmbH | Active | |
| BaFin | Investment firm (WpIG §15), Scalable Capital GmbH (per BrokerChooser; register not directly checked) | Active | |
| Austria (branch of German bank, EU passport) | Branch launched 8 Oct 2026 per company newsroom | Passported |
People & network
People (public registers)
- Florian Prucker · Founder and Co-CEO (per company press release) · source
Version history
- 2026-10-21 Amber signal Automated profile created from public sources
Are you Scalable Capital?
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