Scalable Capital

4.4(1200)

BaFin

Vivid Money

3.7(1100)

BaFin

Scalable Capital vs Vivid Money

Head-to-Head Comparison 2026

Our Verdict

Scalable Capital has a higher rating of 4.4/5 compared to Vivid Money (3.7/5). Scalable Capital offers 5 instrument types, while Vivid Money offers 3. The minimum deposit is lower at Scalable Capital with 0 €. Scalable Capital has been in the market since 2014, making it the more experienced provider.

Comparison Table

Criteria	Scalable Capital	Vivid Money
Rating	4.4/5 (1200 reviews)✓	3.7/5 (1100 reviews)
Regulation	BaFin	BaFin
Fees	PRIME+ flat rate €4.99/month or €0.99 per trade	€0 order fee (stocks/ETFs), crypto spread from 1%
Min. Deposit	0 €	0,01 €
Instruments	Stocks, ETFs, Funds, Crypto, Derivatives	Stocks, ETFs, Crypto
Platforms	Scalable Broker App, Scalable Broker Web	Vivid App
Options Trading	No, no options trading	No
Execution Speed	~50–100 ms (gettex/Xetra)	—
Founded	2014	2020
Headquarters	Munich	Berlin

Detailed Comparison

Fee Comparison

Scalable Capital: PRIME+ flat rate €4.99/month or €0.99 per trade. Minimum deposit: 0 €.

Vivid Money: €0 order fee (stocks/ETFs), crypto spread from 1%. Minimum deposit: 0,01 €.

Execution Quality

Scalable Capital

Execution: ~50–100 ms (gettex/Xetra)

Vivid Money

No data available

Product Range

Scalable Capital (5 categories)

StocksETFsFundsCryptoDerivatives

Vivid Money (3 categories)

StocksETFsCrypto

Trading Platforms

Scalable Capital

Scalable Broker App
Scalable Broker Web

Vivid Money

Vivid App

Regulation & Security

Scalable Capital is regulated by BaFin (HQ: Munich).

Vivid Money is regulated by BaFin (HQ: Berlin).

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)

Vivid Money

Berlin-based neobank with integrated stock, ETF and crypto trading

✓ Banking and trading combined in one app

✓ Commission-free stock and ETF trading

✓ Over 50 cryptocurrencies available

✗ Crypto spreads relatively high (from 1%)

✗ Limited stock selection compared to specialized brokers

Frequently Asked Questions

Is Scalable Capital or Vivid Money cheaper?

Scalable Capital charges PRIME+ flat rate €4.99/month or €0.99 per trade. Vivid Money charges €0 order fee (stocks/ETFs), crypto spread from 1%. The minimum deposit is 0 € at Scalable Capital and 0,01 € at Vivid Money.

Which broker offers more products: Scalable Capital or Vivid Money?

Scalable Capital offers Stocks, ETFs, Funds, Crypto, Derivatives. Vivid Money offers Stocks, ETFs, Crypto.

Which broker is better regulated?

Scalable Capital is regulated by BaFin. Vivid Money is regulated by BaFin. Scalable Capital has BaFin regulation, which is particularly advantageous for German investors. Vivid Money has BaFin regulation, which is particularly advantageous for German investors.

Is Scalable Capital or Vivid Money better for beginners?

Scalable Capital has a minimum deposit of 0 € and offers Scalable Broker App, Scalable Broker Web as platforms. Vivid Money has a minimum deposit of 0,01 € and offers Vivid App. Scalable Capital has the lower entry barrier.

Scalable Capital vs Vivid Money: Which broker is better overall?

The choice between Scalable Capital (4.4/5, 1200 reviews) and Vivid Money (3.7/5, 1100 reviews) depends on your needs. Scalable Capital: Neobroker with flat-rate trading and robo-advisor. Vivid Money: Berlin-based neobank with integrated stock, ETF and crypto trading.