21bitcoin vs Scalable Capital Comparison
| 0.79 % | Fees | 0.99 % |
| € 7.90 | Cost for €1,000 | € 10.89 |
| 1 | Cryptos | 13 |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | SEPA Direct Debit, SEPA Transfer |
| Licensed as a virtual currency service provider according to FM-GwG §32a Para. 2 by the Financial Market Authority of Austria | Regulation | BaFin license as a securities institution |
Cost comparison
The basis is a Bitcoin purchase worth €1,000, including all fees and spreads.
| € 7.90 | Cost for €1,000 | € 10.89 |
| 0.79 % | Fees | 0.99 % |
| € 0.75 | Wallet transfer | – |
| Yes | Cost transparency | Yes |
| € 15 | Minimum Amount | € 1 |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | SEPA Direct Debit, SEPA Transfer |
On a €1,000 purchase you pay €2.99 less at 21bitcoin.
Pros & Cons
- Transparent fees from 0.79% with no ongoing account charges
- Withdrawals to your own wallet at a flat fee of 0.00001 BTC
- Automatic transfer to your own wallet above defined thresholds
- Savings-plan standing orders are invested in Bitcoin as soon as they arrive
- FMA-licensed as a virtual asset service provider in Austria
- Bitcoin only – the lack of altcoins is criticised by some users
- Two-factor authentication needs work, according to users
- The €15 minimum order is higher than at some competitors
- BaFin license as an investment firm headquartered in Germany
- Savings plans for crypto and ETFs possible from just €1
- Staking for crypto ETPs is offered
- Device-bound 2FA is considered a solid security solution
- Broad range of stocks and ETFs in addition to crypto
- Wallet transfers to personal wallets not possible — occasionally criticized by users
- Crypto selection with 13 coins is room for improvement compared with specialized providers
- Deposit methods limited to SEPA bank transfer and SEPA direct debit — additional options are room for improvement
Score Comparison
User Experiences
AI AnalysisUser reviews paint a broadly positive picture of 21bitcoin. What owners value most is the clean, intuitive app and how easy it is to use, while individual voices see room for improvement on fees and on the feature set.
According to reviews, Scalable Capital presents a mixed user picture: some users appreciate the clear and intuitive app as well as everyday use that is perceived as reliable. At the same time, users report login and 2FA issues, as well as occasional delays with withdrawals and support.
This analysis is based on 608 user reviews analysed by AI from the Apple App Store, Trustpilot and the Google Play Store. The total number of reviews on each platform may be higher — the platform ratings (star ratings) shown refer to all reviews available there. The ratings displayed reflect users' experiences and do not represent the site operator's own assessment. All information without guarantee. As of: March 2026. This comparison does not constitute investment advice.
Features
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Automatic wallet transfer | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | FMA regulation (Austria) | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | SEPA instant transfer | ✓ |
| ✓ | Staking (via ETPs) | ✓ |
| ✓ | BaFin regulation | ✓ |
| ✓ | Stocks & ETFs | ✓ |
| ✓ | SEPA direct debit | ✓ |
- Automatic transfer to your own wallet above set amounts
- FMA-regulated and based in Austria
- Fees from 0.79% with full cost transparency
- Deposits via SEPA and SEPA instant transfer
- Neobroker with stocks, ETFs, and crypto in one place
- BaFin-regulated with headquarters in Germany
- Crypto savings plans from €1 for regular investing
- Staking available via crypto ETPs
The five areas head to head
AI AnalysisFees & Costs
On fees and costs the picture is mixed. Users describe the pricing as fair, though some point to costs they consider high. A few also note that the tax side has to be organised by the user, and that the resulting tax burden feels heavy.
There is only limited concrete feedback in the user data regarding fees and costs. According to reviews, users mainly comment on usability, login, and features in comparison, while pricing questions are mentioned less often.
Usability & User Experience
Reviewers frequently describe the app as intuitive, uncluttered and self-explanatory, and ease of use is the single most praised aspect. A few users report problems getting into their account, but overall usability comes across positively.
According to reviews, users particularly appreciate Scalable Capital for its clear and partly intuitive app, which some also describe as easy to learn. At the same time, users also report a confusing interface and login problems. From the user perspective, usability is therefore perceived differently.
Features & Offering
The savings plan is the feature users appreciate most. At the same time they ask for more in several places: additional coins, more savings-plan options, price notifications, a wallet inside the account and limit orders. Weekly DCA is mentioned occasionally as well.
According to reviews, Scalable Capital is used by users primarily for long-term investing, and some also highlight the cash account positively. At the same time, users express several wishes, including a trailing stop-loss, an overall profit and loss overview, more ELTIFs, and more savings plans. Users also want changes to the dark design and the YTD view, as well as a group watchlist and less analysis in the free area.
Stability & Security
On stability and reliability, users mostly report trouble-free day-to-day use and describe the app as dependable. Access issues come up occasionally and are the one area some users would like to see improved.
According to reviews, users describe Scalable Capital as reliable in part. At the same time, users report technical issues such as a black screen, OTP codes not being sent, as well as app problems and crashes. Stability is therefore perceived differently by users.
Customer Support
Support is frequently described as fast, with users reporting prompt replies. Individual contact channels are occasionally seen as having room for improvement.
According to reviews, users occasionally report rather negative experiences with support, especially in connection with login or 2FA topics. Some feedback describes customer service as slow or not very helpful.
Details
| FIOR Digital GmbH | Company | Scalable Capital GmbH |
| 2021 | Founded | 2014 |
| Licensed as a virtual currency service provider according to FM-GwG §32a Para. 2 by the Financial Market Authority of Austria | Regulation | BaFin license as a securities institution |
| € 15 | Minimum Amount | € 1 |
| Photo ID | KYC | eID, Video-ID, PostIdent |
Verdict
In our overall rating 21bitcoin leads with 4.0 against 2.9 for Scalable Capital.
On a €1,000 purchase you pay €2.99 less at 21bitcoin.
For most investors 21bitcoin is therefore the better choice.
21bitcoin has established itself as an Austrian Bitcoin app across German-speaking Europe, valued above all for a transparent fee structure starting at 0.79%. The provider is licensed by Austria's Financial Market Authority (FMA) as a virtual asset service provider and deals exclusively in Bitcoin. Users single out the automatic transfer to a personal wallet above defined thresholds as a genuinely useful security feature.
The savings-plan approach is refreshingly uncomplicated: standing orders are invested in Bitcoin as soon as the money arrives, and the flat wallet-transfer fee of 0.00001 BTC is widely seen as fair. For investors in Austria, Germany and Switzerland looking for an FMA-regulated alternative to the Swiss Bitcoin apps, 21bitcoin reads as a solid option. Total costs of €7.90 on a €1,000 trade sit in the middle of the field.
Because Bitcoin is the only asset on offer, 21bitcoin is not aimed at investors who want a broad crypto portfolio – a limitation some users do point out. The absence of two-factor authentication in the app and the €15 minimum order also leave room for improvement. That makes 21bitcoin a good fit for Bitcoin-focused investors in German-speaking Europe who care about cost transparency, automatic wallet transfers and Austrian regulation.
Scalable Capital has made a name for itself in the DACH region primarily as a robo-advisor and ETF broker and has also offered cryptocurrency trading for some time now. With a BaFin license as an investment firm and a headquarters in Germany, the provider is considered well positioned from a regulatory standpoint. The crypto offering currently includes 13 coins traded via crypto ETPs — an approach that is appreciated by security-conscious investors.
The savings plans starting from €1 enable an especially low-threshold entry, and staking via ETPs is seen as a meaningful addition. The device-bound two-factor authentication is considered a solid security solution. For investors who primarily invest in stocks and ETFs and want to hold crypto as an allocation in the same portfolio, Scalable Capital is seen as a practical solution.
However, the crypto selection with 13 coins is considered room for improvement compared with specialized providers. Wallet transfers to personal wallets are also not possible, which is occasionally criticized by users. Scalable Capital is therefore primarily suitable for mainstream investors who are looking for a regulated German broker with a broad securities offering and want to use crypto as a supplementary component.