Scalable Capital Review 2026: Fees, Interest Rates & New Bank Features
· based on the channel Geldaura
## Introduction to Scalable Capital in 2026
Scalable Capital has evolved significantly by 2026, transitioning from a fintech platform to a fully licensed bank, which enhances the security of client deposits under German deposit protection schemes. This change boosts investor confidence by providing up to €100,000 guaranteed per customer. For detailed information and registration, visit Geldaura's Scalable Capital page.
## Free Broker vs PRIME+: Which Account Type Fits Your Trading?
Scalable Capital offers two main account types: Free Broker and PRIME+. The Free Broker account allows users to trade stocks, ETFs, and crypto ETPs commission-free under certain conditions, making it suitable for casual investors with low trading frequency. PRIME+ is a flat-rate subscription costing a fixed monthly fee, designed for active traders. It reduces or eliminates order fees, making it economical for users executing around 10 or more trades per month.
Video: Scalable Capital Test 2026: Gebühren, Zinsen & neue Bank
### Key differences include:
1. Order Fees: Free Broker charges fees per trade after free monthly limits; PRIME+ offers a flat monthly fee covering most trades.
2. Monthly Costs: PRIME+ has fixed costs whereas Free Broker is pay-per-use.
3. Interest Rates: Both accounts offer interest on cash balances, but rates may vary.
## Investment Offerings: Beyond Stocks and ETFs
Scalable Capital supports a broad range of assets:
- Fractional shares allow investing in expensive stocks with small amounts.
- ETF savings plans are available for passive investors seeking regular investments with low fees.
- Crypto ETPs provide exposure to cryptocurrencies without direct custody.
- Private equity fractions have been introduced, expanding alternatives for portfolio diversification.
These options make Scalable Capital a versatile platform catering to various investment strategies.
## Fees and Costs in Detail
Understanding fees is crucial:
- Free Broker: Usually free for basic ETFs and some stocks, but charges apply beyond monthly limits or for special products.
- PRIME+: Monthly flat fee that covers nearly all order types, ideal for frequent traders.
- Additional costs include custody fees, especially for complex products.
The break-even point for subscribing to PRIME+ is typically around 10 trades per month, after which it saves money compared to pay-per-trade fees.
## Tax Considerations and Depot Migration
With the 2026 depot migration, legacy customers need to verify their tax documents carefully. Scalable Capital provides tools to help manage tax reporting, but investors should:
1. Check the accuracy of capital gains and dividend tax statements.
2. Understand special tax cases introduced in 2025 affecting reporting.
3. Consult tax advisors if necessary to optimize tax efficiency.
The platform's bank license also means direct handling of tax withholding and reporting.
## Potential Drawbacks and Limitations
While Scalable Capital offers many benefits, some downsides include:
- Limited access to certain international markets compared to traditional brokers.
- Some fees apply for specific asset classes or services.
- The platform might not suit investors preferring full control over order execution.
## Useful Links
- Official Scalable Capital info and registration: https://geldaura.com/
## Conclusion
Scalable Capital in 2026 is a robust, secure platform thanks to its own banking license and improved deposit protection. The Free Broker option suits casual investors, while frequent traders benefit from the PRIME+ subscription. Its broad product offering, including fractional shares, ETFs, crypto ETPs, and private equity, provides diverse investment opportunities. Tax handling improvements and depot migration require attention but enhance long-term usability. For an independent, thorough analysis, see the review by the Geldaura channel and visit https://geldaura.com/ to learn more and register.
Key takeaways
- Scalable Capital obtained its own banking license in 2026 enhancing deposit protection.
- Free Broker offers commission-free basic trading; PRIME+ subscription reduces costs for frequent traders.
- ETF savings plans and crypto ETPs are available alongside stocks and private equity fractions.
- Flatrate PRIME+ pays off from approximately 10 trades monthly due to lower per-order costs.
- Depot migration in 2026 requires tax review especially for legacy customers.
Source: Scalable Capital Test 2026: Gebühren, Zinsen & neue Bank · Markdown version
Questions & answers
What are the main differences between Scalable Capital's Free Broker and PRIME+ accounts?
The Free Broker offers commission-free trading up to certain limits, suitable for infrequent traders, while PRIME+ is a flat-rate subscription ideal for frequent traders, reducing or eliminating order fees.
How does Scalable Capital's banking license affect investor security?
With its own banking license, Scalable Capital provides enhanced deposit protection up to €100,000 per customer, improving the safety of client funds compared to non-bank fintech platforms.
What investment options are available on Scalable Capital in 2026?
Investors can access fractional shares, ETF savings plans, crypto ETPs, and private equity fractions, allowing diversified portfolio construction across multiple asset classes.
When does it make financial sense to switch to the PRIME+ subscription?
PRIME+ becomes cost-effective for users making approximately 10 or more trades per month since the flat monthly fee covers most order costs, saving money compared to paying per trade.