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Scalable Capital bietet im Rahmen seines Brokers zwei Tarife an, zum einen den FREE Broker und zum anderen den PRIME+ Broker mit einem kostenpflichtigen Abo-Modell, bei dem Anleger eine monatliche Gebühr bezahlen, um anschließend komplett kostenlos und unlimitiert Aktien, ETFs und andere Wertpapiere handeln zu können. Scalable Capital verdient mit dieser Abo-Gebühr ein wenig Geld, allerdings dürfte der Großteil des Umsatzes eher aus sogenannten Rückvergütungen von den genutzten Börsenplätzen European Investor Exchange (EIX) und Xetra stammen.
Neobroker wie Scalable Capital erhalten bei diesem Geschäftsmodell z. B. von der Börse European Investor Exchange (EIX) eine Art Rückvergütung, wenn die eigenen Anleger über diese Börse ein Wertpapier kaufen oder verkaufen. Die EIX selbst muss natürlich auch Geld verdienen, insofern stellt sich schnell die absolut berechtigte Frage, wie dann die EIX überhaupt Geld verdient. Die Antwort darauf ist einfach: Die European Investor Exchange (EIX) bringt Käufer und Verkäufer von Wertpapieren zusammen. Dabei hat der Verkäufer einen gewünschten Verkaufspreis und der Käufer einen angestrebten Kaufpreis (meist billigst). Die Differenz zwischen diesen beiden Preisen (bzw. Kursen) ist der sogenannte Spread. Die EIX weist diesen Spread leicht größer aus, sodass ein Teil davon als Vergütung bei der Börse landet. Ein Teil dieser Vergütung landet dann wiederum als Rückvergütung bei Scalable Capital.
Diese Art des Geschäftsmodells ist zwar einerseits relativ intransparent, andererseits aber mittlerweile recht akzeptiert im Markt, insbesondere im Bereich der Neobroker. Anleger sollten stets im Hinterkopf behalten, dass die Trades über Broker wie Scalable Capital, Trade Republic und Smartbroker selbstverständlich nie komplett kostenlos sind, denn niemand hat in unserem Wirtschaftssystem etwas zu verschenken. Die Gebühren stammen letztlich aus höheren Spreads und den Rückvergütungen der Börsen. Für Anleger bedeutet das potentiell leicht schlechtere Einkaufs- bzw. Verkaufskurse, allerdings ist das bisher kaum mess- bzw. nachweisbar.
Dass Scalable auf diese Art und Weise Geld verdient, finden wir nicht grundsätzlich schlimm, sofern man sich der Funktionsweise bewusst ist. Die Gebühren in Form von potentiell größeren Spreads sind aller Wahrscheinlichkeit immer noch deutlich kleiner als bei klassischen Brokern. Achten Sie aber darauf, möglichst zu den klassischen Börsenzeiten (9-17 Uhr) zu handeln, denn dann sind die Spreads erfahrungsgemäß am kleinsten, und damit die von Ihnen indirekt gezahlten Gebühren.