ByBit EU vs Scalable Capital Comparison
| 0.1% | Fees | 0.99 % |
| — | Cost for €1,000 | € 10.89 |
| +100 | Cryptos | 13 |
| — | Payment Methods | SEPA Direct Debit, SEPA Transfer |
| MiCAR license via FMA | Regulation | BaFin license as a securities institution |
ByBit EUWinner
vs
Scalable Capital
Pros & Cons
Pros
- MiCA licence from Austria's FMA – a clear regulatory basis for EU/EEA investors
- Low fees: 0.25% spot, 0.02% maker / 0.055% taker on futures
- Hundreds of tradable crypto assets
- Assets held largely in cold storage, 2FA, proof-of-reserves audits
- Fast execution and a well-rated app (iOS/Android)
- Registered in Vienna, inside the EU
Cons
- High-leverage derivatives are restricted for EEA retail clients under MiCA
- Security incident in February 2025 (around 401,000 ETH drained)
- The sheer number of features can overwhelm outright beginners
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
4.2Usability2.7
4.2Features2.8
4.4Fees2.8
3.7Stability2.5
4.0Support2.6
User Experiences
AI Analysis—
Google Play
4.4—
Trustpilot
3.8Users praise the low fees and fast order execution; the platform's EU licence under MiCA adds an extra layer of confidence.
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.
Investing in crypto assets carries a high level of risk, up to and including total loss of capital. This is not investment advice. Figures as of July 2026, without guarantee – check current conditions on bybit.eu.
Features
ByBit EUScalable Capital
| ✓ | Savings plan | ✓ |
| ✓ | Staking (via ETPs) | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | BaFin regulation | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | Stocks & ETFs | ✓ |
| ✓ | SEPA direct debit | ✓ |
- EU-regulated (MiCA, FMA Austria)
- Competitive spot and futures fees
- Cold-wallet custody and proof of reserves
- 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
ByBit EUScalable Capital
| Bybit EU GmbH | Company | Scalable Capital GmbH |
| 2018 | Founded | 2014 |
| MiCAR license via FMA | Regulation | BaFin license as a securities institution |
| ~$5-10 USD | Minimum Amount | € 1 |
| — | KYC | eID, Video-ID, PostIdent |