Scalable Capital vs Trading212

Order fees and custody: Trading 212 trades real stocks and ETFs at 0% commission and charges a 0.15% currency-conversion fee (CFDs carry spreads, e.g. EUR/USD from 1.2 pip). Scalable Capital runs two models: the PRIME+ flat rate at €4.99 per month or €0.99 per trade. For pure buy-and-hold investors who trade rarely, Trading 212 is cheaper thanks to 0% commission; those who trade regularly and in size can benefit from Scalable's flat rate. Minimum deposit is minimal at both — €0 at Scalable Capital, €1 at Trading 212.

Regulation and safety: Scalable Capital is BaFin-regulated, a meaningful trust factor for German investors; Trading 212 is supervised by the FCA and CySEC — per the broker data, BaFin regulation is absent here. Ratings: Trading 212 4.6/5, Scalable Capital 4.4/5.

Products and extras: Scalable Capital offers stocks, ETFs, funds, crypto and derivatives plus an integrated robo-advisor and free ETF savings plans, trading via gettex/Xetra. Trading 212 offers stocks, ETFs, CFDs and forex, fractional shares and automatic savings plans (Pies), but relies on a very simple app without MT4/MT5. Options are not offered by Scalable Capital and not yet available at Trading 212. Verdict: For BaFin safety, crypto and a flat-rate model for active trading, choose Scalable Capital; to start commission-free in real stocks and ETFs on a very small budget, Trading 212 is the fit.