Short answer: Scalable Capital is one of the most popular low-cost ways to start investing in Germany, ETFs and stocks, savings plans from 1 euro, and interest on your cash, all from one app. If you sign up through my invitation link and meet the conditions, you can also earn a 25 euro bonus. I want to be upfront: this is an investment platform, not a free-money giveaway, so the bonus comes with a holding period and a small minimum investment, and investing always carries some risk. Here is exactly how it works, honestly.
Heads-up, and it is a good deal for you: the sign-up link in this post is my personal invitation link. If you use it and complete the steps below, you can earn the bonus and I receive a small referral reward too, at no extra cost to you. That is why I am happy to share it, it is a win-win.
What is Scalable Capital, exactly?
Scalable Capital is a digital investment platform and broker, operated by Scalable Capital Bank GmbH and regulated by BaFin, the German financial regulator. From one app you can invest in ETFs and individual stocks, automate monthly savings plans, and earn interest on the cash you have not invested yet. It is not a current account like a traditional bank, its main job is helping you invest and grow money over time. Cash held there is covered by the deposit guarantee up to 100,000 euros per client per bank.
How to earn the 25 euro bonus (the honest version)
I am going to be straight about the conditions, because an investment bonus is never truly "free money". At the time of writing, the steps on my invitation page are:
- Sign up through my Scalable Capital invitation link and complete registration.
- Stay a client for a minimum of six months.
- Then meet one of these within that time:
- Broker: execute at least one savings plan or trade with a total volume of 250 euros, or
- Wealth: invest the minimum amount of at least 20 euros.
Once you qualify, the bonus is credited. Bonus figures and conditions change over time and can differ, so treat the above as a guide and always confirm the current terms on the invitation page before signing up. The good news is the barrier is low, the Wealth route needs only a 20 euro investment, which is money that stays yours and stays invested, not a fee.
Why do so many people use it?
| Feature | Why it matters |
|---|---|
| Savings plans from 1 euro | Start investing with tiny amounts, ideal for beginners and students |
| Low, transparent fees | Commission-free savings plans; no hidden costs |
| Interest on cash | Earn interest on uninvested money instead of it sitting idle |
| BaFin-regulated, 2FA | Proper oversight and account security |
The honest risk part you must not skip
Because I would rather you trust this blog than click blindly: investing carries risk. When you buy ETFs, stocks, or crypto, the value can fall as well as rise, and you can get back less than you put in. The 100,000 euro deposit guarantee protects your cash, not your investments. That is not a reason to avoid investing, it is a reason to start sensibly: use a broad, low-cost ETF savings plan, invest only money you will not need for several years, and do not put in more than you are comfortable leaving invested.
Who is it best for?
- Great for: beginners in Germany who want to start small, anyone building a long-term ETF savings plan, and people who want investing and cash interest in one low-fee app.
- Think twice if: you need the money soon, want a full current account for daily spending, or are not comfortable with any investment risk. In those cases, keep this as a long-term investing account only.
The non-obvious tip: set up a small automatic ETF savings plan and leave it alone
The single best way I have found to use a platform like this is not to trade actively, but to set up a small monthly ETF savings plan (even 25 to 50 euros) into a broad, global, low-cost ETF, and then leave it running on autopilot. You get the low fees, you meet the bonus condition naturally, and, most importantly, you remove the temptation to time the market. Consistent monthly investing over years is what actually builds wealth for most ordinary people, far more reliably than chasing hot stocks. Turn it on, forget it, and let time and low fees do the work.
Frequently asked questions
How much is the Scalable Capital referral bonus?
At the time of writing, the referral bonus shown on my invitation page is 25 euros. To qualify, the new client generally needs to stay a client for at least six months and either execute a savings plan or trade with a total volume of 250 euros (Broker), or invest at least 20 euros (Wealth). Bonus amounts and conditions change and vary, so always read the current referral terms on the invitation page before you rely on them.
Is Scalable Capital a bank or an investment platform?
It is primarily an investment platform and broker, operated by Scalable Capital Bank GmbH. You can buy ETFs and stocks, set up savings plans, and earn interest on uninvested cash. It is regulated by BaFin (the German financial regulator) and cash is covered by the deposit guarantee up to 100,000 euros per client per bank. Investing itself carries risk, your investments can lose value.
Is my money safe with Scalable Capital?
Cash deposits are protected up to 100,000 euros per client per bank under the statutory deposit guarantee, and the platform is BaFin-regulated with two-factor authentication. However, that protection covers cash, not investment losses. When you buy ETFs, stocks, or crypto, the value can fall as well as rise, so only invest money you can afford to leave invested.
What are the fees?
Scalable Capital is known for low fees: commission-free savings plans, minimum investments from as little as 1 euro, and a transparent fee structure with no hidden costs. There are paid PRIME plans that add perks like free trades and higher interest tiers. Product costs, spreads, and crypto fees can still apply, so check the current Broker and Wealth fee pages for details.
Is Scalable Capital good for beginners?
It is popular with beginners because you can start a savings plan from 1 euro, the app is simple, and it handles a lot of the tax reporting for German clients. The main things to learn first are the basics of ETFs and the fact that investments carry risk. Start small, use a broad low-cost ETF savings plan, and only add money you will not need soon.
This article is general information, not financial or investment advice. Investing involves risk, including the possible loss of the money you invest. Product terms, fees, and bonuses change, so always review the current terms on Scalable Capital's site before opening an account or relying on any bonus.
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