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.
Cyborg Score Rationale
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 was one of the largest investment rounds in the German fintech market. Achieving a full EU banking licence (September 2025) and expanding into lending and deposit services position Scalable Capital as a de facto neobank competitor with strong capital backing.
Top Insights
Full EU banking licence approved; Scalable Capital Bank began operations under BaFin and Deutsche Bundesbank supervision on October 1, 2025, enabling deposit-taking and lending expansion.
Launched overnight savings account with 2.50% interest (March 2026) and partnered with BlackRock for private equity offerings (February 2025).
Co-launched World ETF with DWS and MSCI (December 2024) and unveiled European Investor Exchange for retail investors (December 2024).
Employs over 700 people across Munich, Berlin, Vienna, Milan, and London as of the most recent data.
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