Scalable Capital
BaFin
Trading212
FCA/CySEC
Scalable Capital vs Trading212
Head-to-Head Comparison 2026
By SofiaOur Verdict
Scalable Capital and Trading 212 are two low-cost neobrokers with different models. Scalable Capital (BaFin-regulated, rated 4.4/5, Munich) bills via the PRIME+ flat rate (€4.99/month) or €0.99 per trade and additionally offers crypto, derivatives and an integrated robo-advisor. Trading 212 (FCA/CySEC, 4.6/5, London) trades real stocks and ETFs at 0% commission but charges a 0.15% currency-conversion fee and offers fractional shares plus automatic savings plans (Pies) from just €1 minimum deposit. For regular frequent traders wanting a German BaFin depot and crypto, Scalable Capital is strong; cost-conscious beginners with a very small budget focused on commission-free stocks pick Trading 212. Neither currently offers live options trading.
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Comparison Table
| Criteria | Scalable Capital | Trading212 |
|---|---|---|
| Rating | 4.4/5 (1200 reviews) | 4.6/5 (1892 reviews)✓ |
| Regulation | BaFin✓ | FCA/CySEC |
| Fees | PRIME+ flat rate €4.99/month or €0.99 per trade | €0 commission, tight spreads✓ |
| Min. Deposit | 0 € | 1 € |
| Instruments | Stocks, ETFs, Funds, Crypto, Derivatives✓ | Stocks, ETFs, CFDs, Forex |
| Platforms | Scalable Broker App, Scalable Broker Web | Trading 212 App, Trading 212 Web |
| Options Trading | No, no options trading | Options coming soon |
| Spread (typical) | — | EUR/USD from 1.2 pip (CFD), 0% stock commission, FX conversion 0.15% |
| Execution Speed | ~50–100 ms (gettex/Xetra) | — |
| Founded | 2014 | 2004 |
| Headquarters | Munich | London, UK |
Detailed Comparison
Fee Comparison
Trading212Scalable Capital: PRIME+ flat rate €4.99/month or €0.99 per trade. Minimum deposit: 0 €.
Trading212: €0 commission, tight spreads. Minimum deposit: 1 €. Spread: EUR/USD from 1.2 pip (CFD), 0% stock commission, FX conversion 0.15%.
Execution Quality
Scalable Capital
Execution: ~50–100 ms (gettex/Xetra)
Trading212
No data available
Product Range
Scalable CapitalScalable Capital (5 categories)
Trading212 (4 categories)
Trading Platforms
Scalable Capital
- Scalable Broker App
- Scalable Broker Web
Trading212
- Trading 212 App
- Trading 212 Web
Regulation & Security
Scalable CapitalScalable Capital is regulated by BaFin (HQ: Munich).
Trading212 is regulated by FCA/CySEC (HQ: London, UK).
Who Is It For?
Scalable Capital
Neobroker with flat-rate trading and robo-advisor
✓ Flat-rate trading with PRIME+
✓ BaFin-regulated
✓ Over 7,800 stocks and 2,500 ETFs
✗ No options trading
✗ Limited trading venues (gettex/Xetra)
Trading212
Commission-free stock trading with fractional shares
✓ No commissions
✓ Very low minimum deposit
✓ User-friendly app
✗ No BaFin regulation
✗ Limited research tools
In-Depth Analysis: 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.
Frequently Asked Questions
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Scalable Capital vs Trading212: Which broker is better overall?
Scalable Capital
Neobroker with flat-rate trading and robo-advisor
Open Account →From 0 € min. deposit
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Before you pick a broker
The guides worth reading before your first trade, whichever of the two you choose.