crypto.com vs Scalable Capital Comparison
| 1.2 % | Fees | 0.99 % |
| € 12.00 | Cost for €1,000 | € 10.89 |
| 350+ | Cryptos | 13 |
| SEPA Instant Transfer, SEPA Transfer, Credit Card | Payment Methods | SEPA Direct Debit, SEPA Transfer |
| Fully MiCA Compliant | Regulation | BaFin license as a securities institution |
Cost comparison
The basis is a Bitcoin purchase worth €1,000, including all fees and spreads.
| € 12.00 | Cost for €1,000 | € 10.89 |
| 1.2 % | Fees | 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 a €1,000 purchase you pay €1.11 less at Scalable Capital.
Pros & Cons
- Over 350 cryptocurrencies available
- Own VISA debit card with cashback program
- Savings plan and staking are offered
- Payment methods: SEPA, SEPA instant transfer, and credit card
- Minimum investment possible from €3
- No BaFin license for the German market
- Withdrawal fees of around €44.81 room for improvement
- Cost transparency is rated as limited
- Trading fees of 1.2% occasionally criticized
- 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 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.
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
| ✓ | 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 | ✓ |
- VISA debit card with cashback program
- 350+ cryptocurrencies available
- Savings plan and staking on one platform
- On the market since 2016
- 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 Asia Pte. Ltd | Company | Scalable Capital GmbH |
| 2016 | Founded | 2014 |
| Fully MiCA Compliant | Regulation | BaFin license as a securities institution |
| € 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 a €1,000 purchase you pay €1.11 less at Scalable Capital.
For most investors crypto.com is therefore the better choice.
Crypto.com is especially valued for its own VISA debit card with cashback program, which is considered a unique selling point in the crypto market. With more than 350 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.
For the German market, it should be noted that Crypto.com currently does not have a BaFin license for the German market. The trading fees of 1.2% and, in particular, the withdrawal fees of around €44.81 are occasionally criticized. Limited cost transparency and the lack of a web platform — use is only possible via the app — are also room for improvement.
Crypto.com is mainly considered suitable for users who want to actively use the VISA debit card with cashback and are willing to accept the missing BaFin license.
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.