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 |
FlatexWinner
vs
Scalable Capital
Pros & Cons
Pros
- 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
Cons
- No direct crypto trading, only ETPs and ETNs
- No withdrawal to a personal wallet
- Order fees on top of ongoing product costs (TER)
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
4.0Usability2.7
3.6Features2.8
3.7Fees2.8
4.4Stability2.5
4.0Support2.6
User Experiences
AI Analysis—
Google Play
4.4—
Trustpilot
3.8Existing brokerage clients value the simplicity; crypto purists miss owning real coins.
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 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
FlatexScalable Capital
| ✓ | 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
Details
FlatexScalable Capital
| 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 |