crypto.com vs Scalable Capital Comparison
In our overall rating crypto.com leads with 4.2 out of 5 points, ahead of Scalable Capital with 2.9. On disclosed fees crypto.com is cheaper: € 8.00 instead of € 10.89 per €1,000 purchase. If you care most about usability and features, crypto.com has the better sub-scores, and the two are level in the other areas.
| 0.8 % | Fees | €0.99 + 0.99 % |
| € 8.00 | Minimum cost per €1,000 | € 10.89 |
| 400+ | Cryptos | 32 (as ETPs) |
| SEPA Instant Transfer, SEPA Transfer, Credit Card | Payment Methods | SEPA Direct Debit, SEPA Transfer |
| Fully MiCA Compliant | Regulation | Full bank (CRR credit institution) supervised by BaFin and the Bundesbank |
Cost comparison
The basis is a Bitcoin purchase worth €1,000, calculated from the disclosed trading fee. A price markup in the spread is not included, because most providers do not publish it.
| € 8.00 | Minimum cost per €1,000 | € 10.89 |
| 0.8 % | Fees | €0.99 + 0.99 % |
| € 44.81 | Wallet transfer | – |
| No | Cost transparency | Yes |
| € 3 | Minimum Amount | € 1 |
| SEPA Instant Transfer, SEPA Transfer, Credit Card | Payment Methods | SEPA Direct Debit, SEPA Transfer |
On disclosed fees you pay €2.89 less at crypto.com per €1,000 purchase.
In the Crypto.com App, users in the European Economic Area pay a fixed fee per purchase; the trade preview shows the exact fee before you confirm. EUR deposits by bank transfer are free.
| Transaction | Cost at Crypto.com |
|---|---|
| Purchase with EUR balance | 0.80% |
| Crypto-to-crypto exchange | 0.80% |
| Purchase by debit or credit card | up to 4% |
| EUR deposit by bank transfer | free |
| EUR withdrawal via SEPA | EUR 1 per withdrawal, minimum EUR 80 |
| Sending crypto to other Crypto.com users | free |
| Crypto withdrawal to an external address | network fee per coin and network |
| Level Up Plus subscription, no trading fee on up to US$20,000 a month | €3.99 a month or €39.90 a year |
| Level Up Pro subscription, no trading fee on up to US$50,000 a month | €24.99 a month or €249.90 a year |
| Visa card: payments in a foreign currency outside the EU and UK | 2% on Midnight, on Ruby above €400 and on Jade and Indigo above €800 a month (since 1 October 2026) |
| Visa card without spending after twelve months | €6 a month (since 1 October 2026) |
How to save: Deposit by bank transfer and buy with your EUR balance instead of a card: on EUR 1,000 that is EUR 8 instead of up to EUR 40. Bundle EUR withdrawals, since each costs EUR 1. Frequent traders should look at the Level Up subscription: Plus waives the 0.80% on up to US$20,000 of trading a month and pays for itself from roughly €500 of purchases a month; according to Crypto.com, spreads may still apply. We compare exchanges with maker and taker fees in our crypto exchange comparison.
As of 1 November 2026 according to the Crypto.com Help Center, Fees & Limits (EEA), the Visa card fee overview for Europe and the Level Up page for the EEA.
Scalable Capital offers cryptocurrencies only through ETPs, i.e. exchange-traded securities. Costs consist of three parts: the order fee, a spread markup that Scalable calls the crypto fee, and the running product costs of each ETP. The FREE plan has no monthly fee, PRIME+ costs €4.99 a month.
| Transaction | FREE | PRIME+ |
|---|---|---|
| Order via the European Investor Exchange | €0.99 | €0 from €250, below that €0.99 |
| Order via Xetra or gettex | €1.99 | €1.99 |
| Savings plan from €1 per instalment | no order fee | no order fee |
| Crypto fee (spread markup on crypto ETPs) | 0.99% | 0.69% |
| Running product costs (TER) per year, examples | CoinShares Physical Bitcoin 0.15%, Bitwise Physical Ethereum 1.49%, 21Shares Solana Staking 2.50% | |
| Custody fee | €0 | €0 |
| Deposit by bank transfer or direct debit | €0 | €0 |
| Instant deposit (every euro above €5,000 per deposit free of charge) | 0.99% | 0.69% |
How to save: A €100 crypto purchase costs €1.98 on the FREE plan (€0.99 order fee plus €0.99 spread markup); for €1,000 it is €10.89. On PRIME+ the same €1,000 purchase costs €6.90, plus the monthly fee. Savings plans avoid the order fee, but the spread markup remains, so for pure crypto savings plans PRIME+ only pays off from around €1,660 a month.
As of 1 November 2026 according to Scalable Capital's cost overview and crypto page.
Pros & Cons
- Over 400 cryptocurrencies available
- Own Visa prepaid card with crypto cashback: from the Plus tier (formerly Ruby) 1.5% on up to US$750 of card spending a month, up to 4.5% in the top tiers
- Savings plan and staking are offered
- Free EUR deposits by SEPA transfer, plus Apple Pay and Google Pay
- Minimum investment possible from €3
- MiCA licence from Malta's MFSA since 27 January 2025, plus licences as an e-money institution and investment firm
- Card purchases cost up to 4%
- EUR withdrawals via SEPA cost EUR 1, minimum EUR 80
- Cost transparency is rated as limited
- 0.80% fee per purchase in the app
- Cashback only on paid tiers: the free Midnight card earns 0%, Level Up Plus costs €3.99 a month
- Higher card fees since 1 October 2026: a 2% foreign transaction fee outside the EU and UK now also applies to Ruby (above €400 a month) and Jade and Indigo (above €800), and an unused card costs €6 a month after twelve months
- Full bank based in Munich: Scalable Capital Bank GmbH has held an ECB licence for deposit and lending business since September 2025 and is supervised by BaFin and the Bundesbank
- Savings plans for crypto and ETFs possible from just €1
- Staking via individual crypto ETPs, with staking rewards of 3 to 5% a year according to the provider
- Device-bound 2FA is considered a solid security solution
- Broad range of stocks and ETFs in addition to crypto
- No custody fee; with PRIME+ at €4.99 a month, orders from €250 carry no order fee
- No actual coins: you trade ETPs, which are bonds issued by the ETP providers; transfers to your own wallet are not possible
- Crypto selection with 32 coins is room for improvement compared with specialized providers
- On top of the order fee comes a 0.99% spread markup (PRIME+ 0.69%) plus the ETPs' running costs: a €100 crypto purchase costs €1.98 on the FREE plan
- Trading only during exchange hours, not around the clock as on crypto exchanges
- Deposits only by bank transfer, direct debit or the paid Instant deposit (0.99%, 0.69% with PRIME+)
Score Comparison
User Experiences
AI AnalysisBased on the analyzed user data, crypto.com is especially valued for its intuitive and easy-to-navigate app. At the same time, user reviews more often report room for improvement regarding fees, support, and individual account or login issues, which means the overall picture varies noticeably depending on how it is used.
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.
Provider details (fees, licences, pros and cons) editorially reviewed: November 2026. This analysis is based on 1674 user reviews evaluated by AI from the Apple App Store, Trustpilot, and Google Play Store. The total number of reviews on the respective platforms may be higher, the platform ratings (star ratings) shown refer to all reviews available there. The ratings shown reflect users' experiences and do not represent our own assessment by the site operator. All information without guarantee. Status: March 2026. This comparison does not constitute investment advice.
Features
| available | Savings plan | available |
| available | Staking | not specified |
| not available | Wallet transfer | not available |
| not available | Cost transparency | not specified |
| not available | 2FA security | not specified |
| available | Anti-phishing code | not specified |
| available | SEPA instant transfer | not specified |
| available | Credit card | not available |
| available | Mobile app (iOS/Android) | available |
| not available | Web platform | available |
| not specified | Staking (via ETPs) | available |
| not specified | BaFin regulation | available |
| not specified | Stocks & ETFs | available |
| not specified | SEPA direct debit | available |
- Visa prepaid card with crypto cashback
- 400+ cryptocurrencies available
- Savings plan and staking on one platform
- On the market since 2016
- MiCA-licensed by the MFSA Malta since January 2025, valid across the EU
- 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
According to reviews, the fees at crypto.com are viewed critically more often than average. Users report high costs and, in some cases, a high spread. Overall, this area is described critically in the user data.
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
Users particularly appreciate crypto.com's intuitive app and simple operation. According to reviews, the interface is often described as clear and easy to understand, which stands out positively, especially for newcomers. However, frequent updates and the associated changes are occasionally described as room for improvement.
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
Overall, the user data contains only limited recurring statements about features and the offering. Individual users praise options such as Visa cashback and Learn-&-Earn features. In addition, users would like to see more coins, extra portfolio filters, a German language setting, an iPad version, and a tax tool.
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
Regarding stability and reliability, users primarily report login issues, being unable to log in, and in some cases blocked withdrawals. There are also individual comments about constant or mandatory updates in the user data. Overall, this results in a rather critical picture of reliability.
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
When it comes to support, the user reviews paint a predominantly critical picture. Users report comparatively often about poor support or that no support was reachable. Customer service is therefore clearly viewed critically in the analyzed user data.
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
| Foris DAX MT Limited | Company | Scalable Capital GmbH |
| 2016 | Founded | 2014 |
| Fully MiCA Compliant | Regulation | Full bank (CRR credit institution) supervised by BaFin and the Bundesbank |
| € 3 | Minimum Amount | € 1 |
| Photo ID | KYC | eID, Video-ID, PostIdent |
Verdict
In our overall rating crypto.com leads with 4.2 against 2.9 for Scalable Capital.
On disclosed fees you pay €2.89 less at crypto.com per €1,000 purchase.
For most investors crypto.com is therefore the better choice.
Crypto.com is especially valued for its own Visa card with cashback program, which is considered a unique selling point in the crypto market. With more than 400 tradable cryptocurrencies, savings plans, and staking, the platform, active since 2016, offers a broad range of services. The minimum investment starting at €3 is seen as particularly beginner-friendly.
In Germany, Crypto.com operates under the MiCA licence that the Malta Financial Services Authority (MFSA) granted to Foris DAX MT Limited on 27 January 2025 and which applies across the EU, so no separate BaFin licence is required. According to Crypto.com, a purchase in the app costs 0.80%, up to 4% by card, and a EUR withdrawal via SEPA costs EUR 1. Users occasionally criticise the limited cost transparency.
The card terms changed in 2026: cashback is only paid on the paid tiers, with Level Up Plus at €3.99 a month earning 1.5% on up to US$750 of card spending a month and the top tiers up to 4.5%; the free Midnight card earns 0%. Since 1 October 2026, Ruby, Jade and Indigo also pay a 2% foreign transaction fee outside the EU and UK above a monthly allowance of €400 or €800, and a card without spending costs €6 a month after twelve months.
Crypto.com is mainly considered suitable for users who want to actively use the Visa card with cashback and are prepared to pay for a Level Up tier.
Scalable Capital has made a name for itself in the DACH region primarily as a robo-advisor and ETF broker and has also offered crypto since December 2021. Since September 2025 the company has been a full bank: Scalable Capital Bank GmbH in Munich received the ECB licence for deposit and lending business and is supervised by BaFin and the Deutsche Bundesbank. Since March 2026 it has also been listed in ESMA's MiCA register with a notification for advice on crypto-assets. According to its September 2026 fact sheet, Scalable serves more than one million customers with over €60 billion in assets.
The crypto offering covers 32 cryptocurrencies, which are not traded as coins but through crypto ETPs on regulated exchanges. No wallet or private keys are needed; in return, holdings cannot be moved to your own wallet, and trading is limited to exchange hours. Savings plans from €1 make for a particularly low-threshold entry, and some ETPs add staking rewards. Besides the €0.99 order fee there is a 0.99% spread markup, or 0.69% with the PRIME+ subscription at €4.99 a month. Since September 2026, orders via Xetra and gettex have cost a flat €1.99.
For investors who mainly put money into stocks and ETFs and want to hold crypto as an addition in the same securities account, Scalable Capital is a practical solution. Anyone who wants to hold actual coins, move them to their own wallet or trade around the clock is better served by a crypto exchange.