Flatex vs Scalable Capital Comparison
| 0.7 % | Fees | 0.99 % |
| € 7.00 | Cost for €1,000 | € 10.89 |
| 20 | Cryptos | 13 |
| SEPA Transfer | Payment Methods | SEPA Direct Debit, SEPA Transfer |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | BaFin license as a securities institution |
Cost comparison
The basis is a Bitcoin purchase worth €1,000, including all fees and spreads.
| € 7.00 | Cost for €1,000 | € 10.89 |
| 0.7 % | Fees | 0.99 % |
| – | Wallet transfer | – |
| Limited | Cost transparency | Yes |
| € 1 | Minimum Amount | € 1 |
| SEPA Transfer | Payment Methods | SEPA Direct Debit, SEPA Transfer |
On a €1,000 purchase you pay €3.89 less at Flatex.
Pros & Cons
- BaFin-regulated German bank with a full licence
- Crypto ETPs held in a standard portfolio alongside shares and ETFs
- German tax certificate included
- Established provider, in business since 1999
- No direct crypto trading, only ETPs and ETNs
- No withdrawal to a personal wallet
- Order fees on top of ongoing product costs (TER)
- 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 AnalysisAccording 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.
Investing carries a high level of risk, up to and including total loss of capital. This is not investment advice. As of July 2026, without guarantee.
Features
| ✓ | Savings plan | ✓ |
| ✓ | Staking (via ETPs) | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | BaFin regulation | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | Stocks & ETFs | ✓ |
| ✓ | SEPA direct debit | ✓ |
- Crypto in a securities wrapper for conventional portfolios
- 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
Order fees from around €5.90 plus the trading-venue charge; crypto ETPs also carry ongoing product costs (TER, typically 1–2% a year). As of July 2026.
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
Not enough reviews available.
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
Not enough reviews available.
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
Not enough reviews available.
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
Not enough reviews available.
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
| flatexDEGIRO Bank AG | Company | Scalable Capital GmbH |
| 2005 | Founded | 2014 |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | BaFin license as a securities institution |
| € 1 | Minimum Amount | € 1 |
| eID, Video-ID, PostIdent | KYC | eID, Video-ID, PostIdent |
Verdict
In our overall rating Flatex leads with 3.1 against 2.9 for Scalable Capital.
On a €1,000 purchase you pay €3.89 less at Flatex.
Neither provider reaches 4.0 out of 5 in our rating, so we do not give an unreserved recommendation here.
For investors who want crypto exposure inside a conventional brokerage account alongside shares and ETFs – complete with German tax reporting and a familiar interface – flatex is a solid choice. If you want to own real coins and withdraw them to your own wallet, you need an actual crypto exchange instead.
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.