- Connection
- PSD2 open banking
- Coverage
- Multi-Depot, EU + UK
- Auto-invest
- Coming soon, you approve
Switch to Bank AI when
You hold ETFs and Sparpläne across more than one Depot (Trade Republic, Comdirect, ING, Consorsbank, Scalable itself) and you want one daily view across all of them plus your bank accounts and crypto. And you like the idea that, coming soon, Bank AI reads what you can genuinely spare and proposes an invest-or-save move you approve, through a licensed regulated brokerage partner (your capital at risk).
Stay with Scalable Capital when
You want a low-cost broker to actually buy and hold ETFs and run Sparpläne today, or you want Scalable's discretionary managed portfolio. Scalable is good at the broker lane, and Bank AI is not a broker - it connects to the brokers you already use and, coming soon, proposes moves you approve rather than holding assets itself.
| Feature | Bank AI | Scalable Capital |
|---|---|---|
| Product type | Sees all your money today (read-only aggregation via PSD2); deposit + auto-invest on your one-tap approval is coming soon, execution-only, via a licensed regulated brokerage partner. | Broker (flat-fee trading, ETF Sparpläne) plus an optional discretionary managed-portfolio robo. |
| What it can see | Everything: bank accounts, 60+ EU and UK brokers and Depots, ISAs, SIPPs, pensions and crypto exchanges in one net-worth view. | Primarily the Depot and portfolios you hold with Scalable. |
| Multi-Depot view | First-class. Trade Republic, Comdirect, ING-Diba, Consorsbank, DKB, Flatex and Scalable in one place. | Scalable shows its own Depot; other brokers are out of scope. |
| How it decides what to invest | Coming soon. Bank AI reads how you actually spend across all accounts, works out what you can genuinely spare, and proposes an invest-or-save move you approve. | You set up Sparpläne and trades yourself; the robo option manages a portfolio discretionarily. |
| Discretion | Execution-only. Bank AI never invests without your one-tap approval; never discretionary, never autonomous. | Self-directed broking is your decision; the robo option is discretionary. |
| Crypto | Crypto exchanges (Bitpanda, Binance, Coinbase, Kraken, Crypto.com) included in the net-worth view. | Scalable offers some crypto ETPs in-app; external exchanges are out of scope. |
| AI assistant | Built in. Ask plain-English / German questions about exposure, fees, FX, dividends and what you can afford to invest. | Not a chat-led AI assistant. |
| Geographic focus | United Kingdom and EU/EEA - 13 markets. | Germany, Austria, Italy, France, Spain, Netherlands. |
| Custody | Read-only. When the invest layer ships, securities are held by the licensed regulated brokerage partner; Bank AI never holds your cash, securities or crypto. | Regulated broker; assets held with its custodian bank. |
| Pricing | Paid app. Current pricing shown on the App Store. | Free and subscription broker tiers, plus a management fee for the robo (per Scalable's public pricing). |
Every Depot in one view, not just Scalable's
Bank AI brings Trade Republic, Comdirect, ING-Diba, Consorsbank, DKB, Flatex and Scalable into one daily-refreshed net worth, with ETF Sparplan tracking surfaced correctly.
It invests what you can genuinely spare
Coming soon, Bank AI reads how you actually spend across all your accounts and works out what you can safely spare before proposing a move. Your capital is at risk when invested.
You approve every move, and it's not a broker
Bank AI is execution-only on your one-tap approval, through a licensed regulated brokerage partner - it never holds your assets and is never discretionary.
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Portfolio tracker
Live positions, dividends and allocation across every broker and wrapper.
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Is Bank AI a broker like Scalable Capital?
No. Scalable is a broker where you buy and hold ETFs and run Sparpläne, with an optional discretionary robo. Bank AI is not a broker: it connects to the Depots and brokers you already use - including Scalable - and shows them in one net-worth view. Coming soon, it proposes an invest-or-save move based on what you can spare and executes it only on your one-tap approval, execution-only, through a licensed regulated brokerage partner. Your capital is at risk.
Can Bank AI run ETF Sparpläne like Scalable?
Bank AI surfaces the ETF Sparpläne you already run across your Depots with cost basis and contributions. It does not run a Sparplan itself today - aggregation is read-only. Coming soon, the invest layer can propose recurring invest-or-save moves you approve, execution-only, through a licensed regulated brokerage partner. Your capital is at risk when invested.
Does Bank AI manage a portfolio like Scalable's robo?
No. Bank AI is execution-only and never discretionary - it proposes, you approve every move. If you specifically want a discretionary managed portfolio, Scalable's robo option is the right fit and Bank AI is not a substitute.
Does Bank AI work with German Depots?
Yes. Bank AI connects via PSD2 to Trade Republic, Scalable Capital, Comdirect, ING-Diba, Consorsbank, DKB, Flatex and more, and surfaces ETF Sparpläne and Depot holdings in one daily-refreshed view.
Is Bank AI free?
Bank AI is a paid app; current pricing is shown on the App Store. Scalable has free and subscription broker tiers plus a management fee for its robo per its public pricing.
Is Bank AI read-only?
Today, yes - for aggregation. Bank AI reads your accounts to build a net-worth view; it does not move money or place trades on its own. Coming soon, the deposit and auto-invest layer proposes an invest-or-save move and executes it only on your one-tap approval, execution-only, through a licensed regulated brokerage partner. Your capital is at risk when invested.
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