Coinbase vs Scalable Capital Comparison
| 1.49 % | Fees | 0.99 % |
| € 14.90 | Cost for €1,000 | € 10.89 |
| 260+ | Cryptos | 13 |
| SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal | Payment Methods | SEPA Direct Debit, SEPA Transfer |
| First company with BaFin crypto license. Deficiencies flagged in 2022, since remediated. MiCA via Luxembourg. | Regulation | BaFin license as a securities institution |
CoinbaseWinner
vs
Scalable Capital
Pros & Cons
Pros
- Savings plan from a one euro minimum
- More than 260 cryptocurrencies available
- First company with a BaFin crypto custody licence, MiCA authorisation via Luxembourg
- Broad choice of payment routes including PayPal
- Staking and wallet transfers available
Cons
- Trading fee of around 1.49% — high in this comparison
- Costs compound across many small instalments
- Limited cost transparency on direct purchases
- Withdrawal fees only visible when withdrawing the respective cryptocurrency
Pros
- 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
Cons
- 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
4.5Usability2.7
4.2Features2.8
3.4Fees2.8
4.5Stability2.5
3.8Support2.6
User Experiences
AI Analysis—
Google Play
4.4—
Trustpilot
3.8Not enough reviews available.
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.
Editorial assessment based on publicly documented provider information and independent industry sources. As of August 2026. This comparison is not investment or tax advice. All information without guarantee.
Features
CoinbaseScalable Capital
| ✓ | Savings plan | ✓ |
| ✓ | Staking (via ETPs) | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | BaFin regulation | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | Stocks & ETFs | ✓ |
| ✓ | SEPA direct debit | ✓ |
- Savings plan from one euro
- 260+ cryptocurrencies
- BaFin licence and MiCA authorisation
- Payment by PayPal supported
- 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
CoinbaseScalable Capital
| Coinbase Global, Inc. | Company | Scalable Capital GmbH |
| 2012 | Founded | 2014 |
| First company with BaFin crypto license. Deficiencies flagged in 2022, since remediated. MiCA via Luxembourg. | Regulation | BaFin license as a securities institution |
| € 1 | Minimum Amount | € 1 |
| eID, VideoIdent | KYC | eID, Video-ID, PostIdent |