Scalable Capital is a leading European investment platform offering digital wealth management and self-directed trading services through innovative technology and low-cost solutions.
Scalable Capital is a leading European investment platform founded in 2014 by Erik Podzuweit, Florian Prucker, Adam French, and Prof. Dr. Stefan Mittnik. With headquarters in Munich, Berlin, and London, the platform aims to provide accessible and affordable investment opportunities through innovative technology and low costs. Its key offerings include Scalable Wealth, a digital asset management service, and Scalable Broker, which allows independent trading of stocks, ETFs, funds, cryptocurrencies, and derivatives via a user-friendly mobile app.
Scalable Wealth has been available since 2016, offering a simple, cost-effective solution for individuals seeking to accumulate or grow wealth. It provides customisable savings options and a range of investment strategies that operate automatically, allowing users to manage their investments with ease.
With Scalable Broker, users can begin trading with a monthly savings amount as low as one euro, promoting financial independence and self-determined investment decisions. The platform supports over one million clients with assets under management exceeding €20 billion.
Scalable Capital prioritises security and operates under the regulation of the German Federal Financial Supervisory Authority (BaFin). Client assets are held securely by a German custodian bank, with cash deposits protected by statutory deposit insurance and the Deposit Protection Fund of Private Banks. In the event of insolvency, securities remain protected outside the company’s insolvency estate.
The platform is designed with high-security standards, including two-factor authentication, encrypted data storage, and ISO27001 certification for information security. Scalable Capital emphasises transparency regarding risks, cautioning investors that returns are not guaranteed, and past performance is not a reliable predictor of future results.
Scalable Capital also offers PRIME+ with 2.6% p.a. interest on cash accounts at Baader Bank AG for amounts up to €100,000.
Scalable Capital was founded in 2014 by Erik Podzuweit, Florian Prucker, Adam French, and Prof. Dr. Stefan Mittnik, to democratise access to wealth management and financial markets through technology. Headquartered in Munich, with offices in Berlin and London, the company sought to offer a more accessible and cost-effective way for individuals to invest their money.
The company launched its first product, Scalable Wealth, in early 2016, marking the beginning of its operations. Scalable Wealth is a digital asset management service designed to simplify the investment process for individuals who may not have the expertise or time to manage their own portfolios. The platform uses advanced algorithms and risk management strategies to offer a range of investment strategies tailored to each user's risk tolerance and financial goals. By automating the investment process, Scalable Wealth allows users to accumulate or grow their wealth with minimal intervention.
Building on the success of Scalable Wealth, the company expanded its services with the introduction of Scalable Broker. Launched as a platform for self-directed investors, Scalable Broker provides users with the tools to trade stocks, ETFs, funds, cryptocurrencies, and derivatives independently. The broker service offers a mobile app with an intuitive interface, enabling users to manage their investments conveniently from anywhere. One of its distinctive features is the low entry point, with users able to begin saving or investing from as little as one euro per month.
Over the years, Scalable Capital gained significant traction in Europe, particularly in Germany, where it became one of the leading investment platforms. By 2023, the company had attracted over one million clients and was managing more than €20 billion in assets. Scalable Capital’s growth has been supported by partnerships with major institutions, including Siemens, ING, and Baader Bank.
The platform operates under the regulatory oversight of the German Federal Financial Supervisory Authority (BaFin) and the German Federal Bank (Deutsche Bundesbank). It emphasises client security, with robust safeguards such as deposit protection, two-factor authentication, and ISO27001-certified information security.
As of 2023, Scalable Capital continues to innovate and grow its product offerings, further expanding its role as a key player in the European investment landscape.
Scalable Capital's mission is to democratise access to financial markets by providing everyone with the tools to shape their financial future. Through innovative technology, the platform offers low-cost, user-friendly investment solutions that enable individuals to invest with ease, regardless of their experience or capital size. By combining automated portfolio management with self-directed trading options, Scalable Capital empowers users to grow their wealth while maintaining control over their investments. Security, transparency, and inclusivity are at the core of its mission, ensuring that all investors have the opportunity to make informed, financially responsible decisions for long-term success.
Scalable Capital operates based on a set of core values that guide its mission to make investing accessible, secure, and effective for a wide range of people. The company’s values shape its services, client relationships, and overall approach to the financial markets. Below are the key values that Scalable Capital upholds:
Scalable Capital's investment criteria are designed to cater to a wide range of investors, ensuring accessibility while maintaining sound investment principles. The platform uses a combination of automated technology and expert oversight to tailor investments to individual needs. Below are the key components of Scalable Capital’s investment criteria:
Scalable Capital has raised a total of €320 million in equity through five funding rounds, supported by prominent investors who align with the company's mission of offering professional, cost-effective solutions for wealth creation, trading, and investment. The investors include:
