Scalable Capital vs XTB Comparison
| 0.99 % | Fees | 0% commission on crypto Contracts for Difference; costs apply through spreads and swap fees. |
| € 10.89 | Cost for €1,000 | Not comparable (spread-based) |
| 13 | Cryptos | 39 crypto Contract for Differences |
| SEPA Direct Debit, SEPA Transfer | Payment Methods | SEPA/Bank transfer, credit/debit card, e-wallets (Skrill, Neteller – with fee) |
| BaFin license as a securities institution | Regulation | Regulated by the KNF (Poland), CySEC (Cyprus), FCA (UK) and others; locally supervised through its EU branches |
Pros & Cons
- 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
- Broad multi-asset offering: 39 crypto Contracts for Differences plus more than 12,300 instruments across stocks, ETFs, forex, commodities and indices
- Long and short crypto positions with leverage up to 1:2, plus stop-loss and take-profit
- 0% commission on real stocks and ETFs up to €100,000 in monthly trading volume
- Established, publicly listed broker with 20+ years of history and multi-regulator oversight
- Locally regulated European branches with support in the local language, plus extensive educational resources
- Crypto is offered only as Contracts for Differences - no option to buy and hold real coins, so XTB suits traders seeking price exposure rather than investors wanting to own and withdraw crypto
- Because positions are Contracts for Differences, transferring crypto to a personal wallet isn't possible (expected for this product type, but a limitation if self-custody is your goal)
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.
According to the analyzed user reviews, the overall picture of XTB is mixed. Users particularly appreciate the clear, easy-to-understand interface; however, in terms of support, fees, and technical reliability, users occasionally report critical experiences.
This analysis is based on 195 AI-evaluated user reviews from Google Play Store, Trustpilot. The total number of reviews on the respective platforms may be higher — the platform ratings shown (star ratings) refer to all reviews available there. The ratings shown reflect users' experiences and do not represent the site operator's own assessment. All information without guarantee. As of: March 2026. This comparison does not constitute investment advice.
Features
| ✓ | Savings plan | ✓ |
| ✓ | Staking (via ETPs) | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | BaFin regulation | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | Stocks & ETFs | ✓ |
| ✓ | SEPA direct debit | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Card | ✓ |
| ✓ | Futures trading | ✓ |
| ✓ | Copy trading | ✓ |
| ✓ | Tax export | ✓ |
| ✓ | Demo mode | ✓ |
| ✓ | Education area | ✓ |
- 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
- More than 20 years on the market and over 2.5 million customers
- Interest on uninvested balances in different currencies
- XTB Card and payment account as additional features for private customers
Details
| Scalable Capital GmbH | Company | XTB S.A. |
| 2014 | Founded | 2002 |
| BaFin license as a securities institution | Regulation | Regulated by the KNF (Poland), CySEC (Cyprus), FCA (UK) and others; locally supervised through its EU branches |
| € 1 | Minimum Amount | 0 € (recommended approximately 250 € for the first deposit) |
| eID, Video-ID, PostIdent | KYC | Photo ID, fully digital verification |