Bitvavo vs Scalable Capital Comparison
| 0.25 % | Fees | 0.99 % |
| € 2.60 | Cost for €1,000 | € 10.89 |
| 350+ | Cryptos | 13 |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | SEPA Direct Debit, SEPA Transfer |
| MiCA license via Netherlands AFM | Regulation | BaFin license as a securities institution |
Pros & Cons
- BaFin license available, custodians Tangany and Sutor Bank are also licensed
- Low trading fees of 0.25%
- Total costs of only €2.60 per trade
- Over 350 cryptocurrencies available
- Transparent fee structure without hidden costs
- Savings plan (app only) and rewards program (staking) available
- Payment methods limited to SEPA and SEPA instant transfer – credit card and PayPal are room for improvement
- Bitvavo B.V. temporarily suspended services for German customers in 2024 – resumption via Hyphe Markets GmbH is occasionally criticized
- Savings plan available via the app only
- 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 AnalysisUsers generally report mostly positive experiences with Bitvavo, especially regarding usability and costs. In the reviews, the clear app and low fees are often praised, while support and technical reliability are also mentioned more critically.
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 591 user reviews from Apple App Store, Trustpilot, and Google Play Store evaluated with AI. The total number of reviews on the respective platforms may be higher — the platform ratings shown (star ratings) refer to all reviews available there. The reviews presented reflect user experiences and do not represent the site operator’s own assessment. All information is provided without guarantee. Status: April 2026. This comparison does not constitute investment advice.
Features
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Cost transparency | ✓ |
| ✓ | 2FA security | ✓ |
| ✓ | Anti-phishing code | ✓ |
| ✓ | SEPA instant transfer | ✓ |
| ✓ | Credit card | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Staking (via ETPs) | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | BaFin regulation | ✓ |
| ✓ | Stocks & ETFs | ✓ |
| ✓ | SEPA direct debit | ✓ |
- BaFin-licensed with operations in Germany via Hyphe Markets GmbH
- Total costs of €2.60 are considered particularly low
- Transparent fee structure without hidden costs
- Low wallet transfer fees of around €0.40
- Minimum investment from €5
- 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
Details
| Hyphe Markets GmbH | Company | Scalable Capital GmbH |
| 2021 | Founded | 2014 |
| MiCA license via Netherlands AFM | Regulation | BaFin license as a securities institution |
| € 5 | Minimum Amount | € 1 |
| Photo ID | KYC | eID, Video-ID, PostIdent |