Scalable Capital: Business Overview, Financials & Competitive Analysis
Scalable Capital scores 8/10 on the AskCyborg Cyborg Score (Strong). Well-capitalized private fintech unicorn executing multi-product expansion leveraging new banking licence to capture retail investment and deposit market share across Europe. The company has raised $550M from investors like HV Capital, BlackRock and TEV Ventures at a current valuation of $1.4B. In 2025, Scalable Capital secured €155 million in what.
What is Scalable Capital's industry? Scalable Capital (scalable.com) operates in Financial Technology (Fintech). AskCyborg classifies Scalable Capital under Financial Technology (Fintech) in its company registry.
Scalable Capital, founded in 2014, is a Munich-based Series F fintech operating as a provider of a digital investment and brokerage platform. The company is a leading digital investment and banking platform with a ful...
Cyborg Score thesis
Well-capitalized private fintech unicorn executing multi-product expansion leveraging new banking licence to capture retail...
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Pro stress-test →Scalable Capital, founded in 2014, is a Munich-based Series F fintech operating as a provider of a digital investment and brokerage platform. The company is a leading digital investment and banking platform with a full banking licence, empowering people across Europe to shape their own finances, offering brokerage services for stocks, ETFs, cryptocurrencies, and derivatives, plus digital wealth management through professional ETF portfolios.
Strategic Profile
Pro stress-test →Over one million clients have entrusted more than €30 billion to the platform. Scalable Capital has secured a full banking licence from the European Central Bank, allowing it to expand services beyond investments to include deposit-taking and lending operations across Europe. Leadership has positioned the firm as advancing toward becoming the leading retail investment platform in Europe, with plans to introduce new products in the near future.
Competitive Landscape
Pro stress-test →Top competitors include Freetrade, BUX, and Trading212. Additional competitors include Whitebox, MoneyFarm, Nutmeg, Ginmon, and Trading 212. Scalable Capital differentiates through its full banking licence, multi-asset brokerage (stocks, ETFs, crypto, derivatives), proprietary risk management technology, and European exchange offering—positioning it as a comprehensive neo-bank competitor rather than a pure investment platform.
Industry Context
Scalable Capital operates in Financial Technology (Fintech).
Key facts
Founded: 2014 · Headquarters: Munich, Germany · Employees: 700 · Revenue: $51.2M (2026)