# Scalable Capital Erfahrungen 2026: Honest Test of Fees, Interest & New Bank Features Comprehensive 2026 review of Scalable Capital: fees, interest rates, Free Broker vs PRIME+, new bank license, and investment options explained. Source: https://pa-lo-0opw-06e.shop/scalable-capital-erfahrungen-2026-honest-test-of-fees-interest-new-bank-features/ · based on the channel [Geldaura](https://www.youtube.com/channel/UCZMdEGKQGh2UFJZcNNQtFPA) · Video: [Scalable Capital Test 2026: Gebühren, Zinsen & neue Bank](https://www.youtube.com/watch?v=yoT1jQphsX4) · 2026-09-22 ![Scalable Capital Erfahrungen 2026: Honest Test of Fees, Interest & New Bank Features](https://pa-lo-0opw-06e.shop/scalable-capital-erfahrungen-2026-honest-test-of-fees-interest-new-bank-features/scalable-capital-erfahrungen-2026-honest-test-of-fees-interest-new-bank-features.webp) ## Key takeaways - Scalable Capital obtained its own banking license in 2026, enhancing deposit protection. - Free Broker offers zero monthly fees but charges per trade; PRIME+ costs €2.99/month with unlimited trades. - PRIME+ subscription becomes cost-effective from about 7-8 trades per month. - Available investments include fractional shares, ETFs, crypto ETPs, and private equity products. - 2025 tax changes require portfolio holders to review depot migration and tax documents carefully. ## Overview of Scalable Capital in 2026 Scalable Capital has evolved into a full-fledged bank in 2026, gaining its own banking license which improves security and deposit insurance for clients. Its investment platform offers two main account types: the Free Broker with no monthly fee but per-order charges, and the PRIME+ subscription with a flat monthly fee allowing unlimited trades. This article analyzes costs, interest rates, investment options, and recent changes affecting users. ## Banking License and Security Improvements In 2026, Scalable Capital transitioned from a fintech broker to a licensed bank. This change means customer deposits up to €100,000 are now protected under the German deposit guarantee scheme. The new banking license also allows Scalable Capital to offer interest on cash balances, which was previously not possible. This development significantly enhances the safety and appeal of using Scalable Capital for both investing and cash management. ## Free Broker vs PRIME+: Which Account Is More Cost-Effective? Scalable Capital offers two main pricing models for its brokerage services: 1. **Free Broker**: No fixed monthly cost, but charges €0.99 per trade for stocks and ETFs and €1.50 for crypto ETPs. 2. **PRIME+**: A flat fee of €2.99 per month that covers unlimited trades in stocks, ETFs, and crypto ETPs. For users placing fewer than 7 trades monthly, the Free Broker is cheaper. However, once trading volume exceeds this, PRIME+ offers better value by eliminating per-trade fees. Investors with frequent orders, such as active ETF savers or day traders, benefit from subscribing to PRIME+. ## Investment Offerings and Product Range Scalable Capital supports a broad range of investment products: - Fractional shares allowing investment in high-value stocks with small amounts. - ETFs including popular index trackers and thematic funds. - Crypto Exchange Traded Products (ETPs) to gain exposure to cryptocurrencies without holding them directly. - Private equity investments and alternative products for diversified portfolios. The platform also offers flexible ETF savings plans with no fees for many funds, appealing for long-term investors. ## Tax Considerations and Depot Migration With changes effective from 2025, tax reporting for investment accounts has become more complex. Scalable Capital customers who migrated their portfolios to the new bank should verify: - That all cost bases and purchase dates transferred correctly. - Documentation for tax declarations, especially for capital gains and dividend income. The platform provides tools and support but investors should remain vigilant to avoid surprises during tax season. ## Drawbacks and Points to Consider While Scalable Capital’s banking license and product range are major advantages, some limitations include: - Interest rates on cash deposits remain relatively low compared to some competitors. - The Free Broker’s per-trade fees can accumulate quickly for active traders. - Not all international stocks are available; selection focuses mainly on German and European markets. Potential users should weigh these factors against their investment style and goals. ## Useful Links - Official Scalable Capital website and bonuses: https://geldaura.com/ ## Conclusion Scalable Capital in 2026 is a robust platform combining the security of a licensed bank with a versatile investment offering. The Free Broker suits occasional traders, while PRIME+ saves costs for active investors. Its wide product range including ETFs, fractional shares, and crypto ETPs makes it competitive in the neobroker space. Tax reporting requires attention due to recent regulatory changes. For detailed independent testing and updates, the channel Geldaura provides valuable insights and ongoing coverage. Visit [Geldaura](https://geldaura.com/) for more independent financial reviews and broker comparisons. ## Questions & answers **What are the main differences between Scalable Capital's Free Broker and PRIME+?** The Free Broker has no monthly fee but charges per trade (€0.99 for stocks/ETFs, €1.50 for crypto ETPs). PRIME+ costs €2.99 per month and allows unlimited trades, making it more cost-effective for traders with more than 7 orders per month. **How does Scalable Capital's banking license affect security?** With its own banking license as of 2026, Scalable Capital offers deposit protection up to €100,000 under German law, enhancing client security and allowing the platform to pay interest on cash balances. **What investment products does Scalable Capital offer?** Scalable Capital provides fractional shares, ETFs, crypto exchange-traded products (ETPs), private equity options, and flexible ETF savings plans, catering to diverse investor preferences. **Are there any tax considerations users should be aware of?** Yes, portfolio migration and tax reporting have become more complex since 2025. Users should verify correct transfer of purchase data and cost bases to avoid tax issues and use provided tools for accurate declarations.